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  1. #11
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    I don't understand the whole gift card thing.

    Why not just put money into a separate bank account?

    In answer to the OP, I don't start thinking about Christmas until November at least. My kids are older now, however I found when they were little their tastes always changed between the mid year toy sales and Christmas, especially as heaps of new and different toys are on the shelves closer to Christmas. I always found it better to wait.

    I file my tax return in October and use of my FTB sups / tax return to cover Christmas and back to school expenses.

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  3. #12
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    Quote Originally Posted by SSecret Squirrel View Post
    I don't understand the whole gift card thing.

    Why not just put money into a separate bank account?
    I think it's probably safer to do gift cards? It's so easy to transfer money back into your spendings account in a tight spot. That's where we struggle with saving money.

    We never plan early. We always pull ourselves into gear around late-Nov and run out of money and curse ourselves and say we will do it differently next year and never do.

  4. #13
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    I make lists and do it all in one or two days in the week of Christmas. Last year, 2 hrs into my onslaught, my bank called me and said 'i think your card has been stolen, its been used 20 times in the last 2 hours'. I would like to send cards in the mail thus year- something i havent managed in years...

  5. #14
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    Quote Originally Posted by loislane2010 View Post
    in the past I have bought my kids xmas presents etc at the toy sales but this year ive decided not to. Last year they had lost interest in some of the things I had bought and I ended up buying more stuff.
    Thing is, DS's birthday is a week before xmas and DD's is a few days after new year. The great thing about the toy sales is I could layby stuff for xmas/birthdays and pay it off for 6 months.

    Ive decided ill be buying gift cards each month until November to stores like kmart/target/bigw and use those for buying presents. I figure if I have $200/$300 that should be enough.

    Just thinking though, do you have a xmas planning thing that you do??

    Thanks
    I really love the gift card idea. I'm going to do this. Thanks

  6. #15
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    Quote Originally Posted by littleriv View Post
    I make lists and do it all in one or two days in the week of Christmas. Last year, 2 hrs into my onslaught, my bank called me and said 'i think your card has been stolen, its been used 20 times in the last 2 hours'. I would like to send cards in the mail thus year- something i havent managed in years...
    Bahahahaha that is so funny! Good to know your bank is onto it tho. Xxx

  7. #16
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    Just out of curiosity is there a fee each time you purchase a gift card? I thought there was but if I'm wrong I'm going to copy your idea

  8. #17
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    Quote Originally Posted by SummerFun View Post
    Just out of curiosity is there a fee each time you purchase a gift card? I thought there was but if I'm wrong I'm going to copy your idea
    No you just pay 20 for that amount to spend at that shop etc etc.

  9. #18
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    Quote Originally Posted by SummerFun View Post
    Just out of curiosity is there a fee each time you purchase a gift card? I thought there was but if I'm wrong I'm going to copy your idea
    No you just pay 20 for that amount to spend at that shop etc etc.

  10. #19
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    rainbow road is offline look at the stars, look how they shine for you
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    Good idea OP. I usually cash my fly buys points in for gift cards come Xmas time. This year I'll have a 3yo and newborn so my plan is to save $50 of my pay per week until I finish work to be my Xmas $$, and do my shopping end of September before Bub arrives.

    I'm fairly frugal for DS at Xmas, we do something you want/need/wear/read and I've decided what he will get except for want, which I will decide closer to the date in case his tastes change.

    With others we do KK so hopefully not too many gifts to buy.

  11. #20
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    Quote Originally Posted by SummerFun View Post
    Just out of curiosity is there a fee each time you purchase a gift card? I thought there was but if I'm wrong I'm going to copy your idea
    No fees for standard gift cards. You do pay a fee for the prepaid visa/master cards though. Sometimes there's ongoing fees with them as well.


 

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