Loans and cards to prepare cheaper Christmas shopping
Spaniards are accustomed to carry out Christmas shopping at the last minute , although habits are changing. According to a study conducted by American Express, 12% of respondents acknowledge that they will wait for last-minute offers to make purchases while 43% say they will make them before December , 7% less than consumers who would advance their purchases in 2014. With the help of small loans we can increase our purchasing power to spend some better holidays and not ruin ourselves in the attempt.
Finance offers with the best loans and cards
According to the same American Express study, 36% of respondents will make Christmas purchases through the Internet and a third will take advantage of Black Friday offers to buy gifts. This study shows that 67% of purchases will be made with cards and that only 8% will decide to postpone payments. So that our card payments are interest-free and we do not have to worry about late payments, we have the Barclaycard New Visa card:
|New Barclaycard Visa||26.70% APR||
|ING credit card||15% APR||
The main Christmas expenses tend to focus on gifts, allocating 36% of the budget set for Christmas ; the feed with 35%; leisure with 14% of the budget and trips with 6% of the amount destined for Christmas.
A survey conducted by Privalia on online consumption, shows that we Spaniards are planning to spend an average of € 300 in gifts this year . In order to finance these expenses we can request small loans to enjoy our holidays and pay in January, when the expenses return to normal. These are some of the mini loans that offer us the best deals :
|That good||€ 900
(€ 300 for new customers)
|€ 100 to 30 days: € 29.70||50% discount with the code HMC0815||Apply for|
(€ 300 for new customers)
|€ 100 to 30 days: € 24||First mini credit totally FREE||Apply for|
Offers that we can take advantage of for cheaper purchases
The Christmas campaign starts earlier every year. The offers and promotions in November are increasingly numerous and are perfect tools to lower our expenses in December . The Black Friday , which will be held on November 27 this year, will mark the beginning of Christmas shopping, and many stores have decided to extend their offers throughout the weekend and join it with the Cybermonday (November 30). According to the Spanish Association of the Digital Economy (Adigital), that weekend is expected to be an expense of 10% more than in 2014, reaching 1,172 million euros and with 20% more companies that decide to join this initiative.
Go ahead to Amazon’s “D Day”
The Internet giant Amazon foresees that December 14 will be the day that more sales will achieve in Spain . In addition to the date, you have also specified the time and believe that between ten and eleven o’clock at night is when more purchases will be made on your platform. In 2014, their “D-Day” was on Tuesday, December 16, where they registered 126 orders per minute and a truck left their offices every 22 minutes . The last minute online purchases can collapse these platforms and delay the arrivals of our purchases, for this reason, if we plan to make our purchases through the Internet, it is better to do it with time to receive them on time.
To avoid collapses in stores, both physical and online, it is best to get ahead of the masses and take advantage of the discounts they offer us in November. In addition, to avoid having to make all the expenses in the same month, the cards and loans of small amounts will help us spread the expenses between several months.