The Nifty Shopper –
Thrives for the hustle and bustle of the season. Since Halloween, Christmas lists are planned out – who’s getting the new ipad, and who’s getting a lump of coal. If gifts aren’t purchased, wrapped, and hidden already; they’re mapped out like an architect’s blueprint. They are so annoyingly organized, that admiration is still transparent through jealousy.
The Last Minute Shopper –
This is the [guy] on Christmas Eve running around the different areas of one department store attempting to purchase and wrap all gifts in one night. Although many stores may have deals and sales supporting this habit, this shopper tends to spend the most because of no purchase power. They’re tight on time – so they grab what’s within reach which is sometimes inflated in price, and then still spend extra money to have the associate wrap it because they do not have time to do so themselves. Don’t be that guy!
Then there is the In-Betweener …
The in-betweener is interesting… they like the idea of Christmas, but are not fans of the reality of shopping. They tend not to have much of a plan; other than to start shopping prior to Christmas Eve and making a list of presents on a napkin during breakfast that very same morning. They can lean either way; for example there are nifty in-betweeners (like me!), or last minute in-betweeners (oh, I know a few). As a nifty in-betweener, I’ve planned who’s getting what, and began setting a budget. I’ve even suggested that my family do Secret Santa this year to alleviate thinking of gifts, and spending, for the dozens of family members that gather together for the holidays. I sound pretty nifty right? Too bad I’ve yet to step foot in a store.
Becoming a nifty shopper –
If you haven’t began already, Start NOW! Waiting until the day before Christmas qualifies you as a Last Minute Shopper, and no one wants to be that guy. You’ll need a blueprint; starting with a checklist ensures that no one is forgotten and you can note your idea for their gift right next to their name. Also setting a budget is critical in making sure that you don’t spend more than you can afford. Layaway options can be a blessing or a curse – depending on who you ask. Personally, I find layaway to entice spending more than intended.
Christmas Checklist
- $20 Mom & Dad – books
- $0 Siblings – coal
Doing a little online research helps plan which stores has a better deal for the gifts you want. Many stores offer free to low cost shipping – so you probably don’t even need to leave the house. Online shopping is an alternative to the standard in-store appeal and can be conducted for those who are more comfortable.
Coalition for Debtor Education 
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