I just finished putting
together my budget for Christmas gifts and was pleased to see that even without
the budget, I still did pretty well staying within my targets. This made me wonder how other people budget
for this, if they budget, and where the money comes from.
I’m lucky enough that I
get to see most of my close family right around Christmas time and can give
gifts in person. Others in my life are a
little harder to shop for since they live farther away and I rarely see them
during the holidays.
I’ll let you in on my
secret for those gifts; I used my Discover Cashback Bonus dollars to purchase
gift cards to 1800baskets.com. It’s
awesome, because now these gifts are like freebies. Don’t get me wrong; this has been my intention
since last Christmas and I’ve had to be smart about my purchases to reach my
cashback goal. I make sure to always
sign up for the three-month long 5% back deals and I try to be diligent when
ordering online to see if Discover will give me a cashback bonus if I bypass
Discover.com.
This year that added up
to about $130 to spend on gift certificates.
The other awesome thing about this plan is that I can spend $80 of my
bonus, but receive a $100 gift certificate.
It’s almost like my free money is getting me more free money if I redeem
it wisely.
Do you take advantage of deals like this? When do you use them?
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