tips for christmas shoppers
Number one is bargain and make offers !!! The most they can say is no !! Do not use credit cards unless you are able to pay them off when the balance comes . Do not add debt to your present debt . If you buy something for $500.00 and your interest rate is 29% APR you are paying $650.00 for it in reality and that is just brain dead to do that . Shop smart . If you pay cash ask them what the cash price is !!! It costs them 2-3% on a credit card so split the difference with them .2% of $500.00 is a ten dollar bill you just found on the sidewalk !!!! Shop late and sweat the retailers out as well - make them cringe . Better yet shop the day after or the week after and get the real bargains anyhow !!!!! Your friends will think you are smart or cheap but at least you will not be in the soup line with them !!!!! Check all prices online as well ! Always argue for free shipping as well and they will give it to you as well rather then lose the sale totally . Take the price to the store and tell them to match or beat it and they will as they all want to make their supervisors happy and their store sales look good as well ! The word is haggtle them down big time . They have to move the merchandise as the new years goods will be arriving . Be a smart shopper not a lamb going to the slaughter. get tough and save the dinero !!!!!Better in your pocket then some corporation based in Oshkosh or China ! Make them sweat bullets is the motto for this year . You should be a smart buyer and an educated consumer and that does not translate to cheap but means you are smarter then the average bear folks !!!!
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