Christmas in July | McIntosh & Associates, Inc.

If you put off your holiday shopping until November or December, it will likely cost you more money, time and stress! Financial professional Mindy McIntosh talks with WJRT about why it’s time to embrace Christmas in July! She shared 4 tips to get started:

1. Put Pen to Paper – If you do nothing else this month, put yourself in a good position by making out a holiday gift list. Fill in gift ideas, and most importantly, a budget for each person on your list.

2. Stockpile Savings – Now that you know how much you want to spend, here comes the tough question: Do you have the money saved or are you banking on your credit cards? If you don’t have the funds, here’s the good news: You have five months to save up.

3. Cut Card Costs – Even if you mail 100 cards, stocking up on stamps will only save you a dollar or two. But it’s still something you can do now before you’re feeling the holiday pinch.

4. Score in the Off-Season – ‘Tis not the season for coats, scarves and sweaters, which means you can probably find good deals on winter-weather items that will make perfect holiday gifts. By starting your shopping early, you can take advantage of off-season sales and clearances.

Click here for a holiday budget worksheet.