CHEAPER AT CHRISTMAS
Free calendars and planners
nite lights and candles
gift shopping receipts, holiday tips
Frugal Living Tips
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November 18, 2004 Issue


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Vol. 10, November 18, 2004

Here is the latest issue. Enjoy.
Editor, Rick Doble

    TABLE OF CONTENTS
  1. CHEAPER AROUND CHRISTMAS
    Some things cost less during the holidays
  2. FREE CALENDARS, PLANNERS
    Keep a sharp look out for freebies
  3. GET THE STORE TO INCLUDE A GIFT RECEIPT
    It makes returns and exchanges much easier
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#1. CHEAPER AROUND CHRISTMAS
Some things cost less during the holidays

It's that old supply and demand thing. 7 1/2 watt Christmas tree lights can cost as little as 10 cents apiece. These are the same lights that go into nite lights (usually white or clear) that many people use to illuminate their hallways. Yet if you go to a store for a nite light bulb you can pay as much as 70 cents apiece. So buy a bunch.

The same is true for candles. If you like to burn a candle or two other times of the year, you will pay a small fortune. Yet at Christmas, candles are cheap. We live in an area where the power seems to get knocked out during a hurricane or a winter storm so having a supply of candles is very comforting.

Stock up on these two items and buy enough to last you until this time next year.


Visit our popular in depth Christmas budget tips online:
TABLE OF CONTENTS FOR
CHRISTMAS SHOPPING EXPENSES



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#2. FREE CALENDARS, PLANNERS
Keep a sharp look out for freebies

You can often find free calendars at restaurants, hardware stores, utility companies and many other locations. You may be able to find quite a variety including: desk calendars, small wallet calendars about the size of a business card, some on bamboo such as we got from a Chinese restaurant or full wall calendars with phases of the moon and Farmer's Almanac type information.

Also banks and tax services often give out a number of different record keeping books. For example, free planners may be available from banks, but often you have to ask. Tax log booklets for recording tax deductible expenses are often free from tax services.



#3. GET THE STORE TO INCLUDE A GIFT RECEIPT
It makes returns and exchanges much easier

Some stores will now give a receipt without the price which is often called a "gift receipt." So if a gift needs to be returned, the gift recipient will have a proof of purchase. Stores are getting very picky about returns these days so a receipt will help with any return problems.

If a gift must be returned, make certain that the full price paid for the gift is credited and not the after Christmas price that the item might be selling for, since this is often much less.



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