We interupt our normal national and global financial perspective to bring you some more personal financial information. This blog is about your holiday spending. Seriously, we want you to save money this Holiday.

This is not just because we want you to invest in your home and pay your mortgage, but because we value a firm economic future for you, your family and this country.

We want you to enjoy the warmth, love and inspiration of the holidays.

We do not want to see you suffering the stress of busting the family budget and fighting credit card debt.
Did you know?…The National Retail Federation stated  “The average American will spend about $700 this season on gifts, cards, decorations, and the like.”
Did you know?… 13.6 million Americans are still making payments on holiday debt from last year.

Palm State Mortgage Presents:  Money Saving Holiday Tips

 

1.   Make a Plan, Man! Make a list before you go to the mall or the internet. Whose gift are you buying? How much will you spend? Plus, do not spoil yourself. Do not rationalize and buy something for yourself. Here is a free expense form to help control your finances during your gift shopping experience.

2.  Get a Cool Giftcard Deal!  www.GiftCardRescue.com and www.GiftCards.com are sites that carry gift cards with a little extra magic. They are discounted! That means you might pay 80.00 for a 100.00 gift card. Nice value and no holiday traffic to fight!

3.  Find discount codes. These sources list discount codes available at your stores and online: www.RetailMeNot.com, www.SecretPrices.com, and www.FreeShipping.org carry available discounts for your store. Sometimes these savings mount up to 20 per cent!

4.  Use Envelopes! Leave the credit cards at home! Use envelopes with the apportioned amount of cash, to keep yourself on track.

5.  Avoid Credit Hype! Do not get that New Credit Card! The promotional 10% off is seldom worth the high rate of interest attached to department store credit cards.

6.  Memories Are Made Of This!  Remember,  gifts do not have to be commercial items that you buy. If you are an expert at something, create a coupon for it, and give your loved one your time and talent. It will become their greatest treasure.

7.  Find more great gift ideas here. Money saving ideas from the British are culturally fascinating, and some of them might even enhance your gift giving bottom line.

With all the money you will save by thoughtful holiday shopping, we are sure you can make 2013 the year you find and finance your dream house. Remember, you can count on Palm State Mortgage Company to coach you every step of your home-buying way.

We will find you the right rate. We will help you find the right type of loan, and explain every detail of your home mortgage process from your first offer to your closing.

As always, we sincerely thank you for reading our blog, and we hope all your holiday dreams come true.

We take this opportunity to express our warm wishes for our clients, family, friends and blog readers this holiday season. May your days be touched by the wonder and joy of the season!