The best time of getting value for your money by saving is when discounts, offers, sales are being offered by different businesses. Whenever you need something, it is wise to check out the price of the item from different shops and consider making your purchase when there is an offer. One of the best times to get good deals is during the festive season when most businesses have offers starting from Black Friday in November up until the beginning of the new year.

This is how you can take advantage of this festive season and save your money:

• Planning

Before you identify the items you wish to purchase it is important to decide how much you are willing to spend. This involves coming up with a budget that will indicate how much you earn, your savings, investment and how much you need to spend.

• Track your spending

A budget may not be helpful if you are not tracking how you spent your money. Ensure you keep your receipts; they greatly help in tracking what you spent in a day, a week or a month.

• Don’t just save in the bank you can put the money in real estate

While many people are tempted to spend on fashionable items such as electronic gadgets, consider investing in a long- term asset such as land, this will be a worth spending for your family and friends. Username Investment will be giving offers on our affordable properties, watch out in all our social media pages.

• Look out for the end of year offers for the items you had resolved to purchase this year

Prioritize these items and purchase them, this will help you save your finances and also achieve your goals.

• Plan your vacation early

If you book your travel earlier, you will pay less as compared to the prices charged during the peak days; this will save on your travel expenses. As we head to the festive season consider making travel arrangements earlier.

• Make use of reward points while going for shopping

Do you have a loyalty card? This is the best time to make use of the reward points you have received cumulatively. This will save your money that you can channel to other uses.

• Don’t be afraid to say no

The festive season is tempting and may cause you to live in the moment but you have to learn how to say no to purchasing some items that may be of no benefit in the long run. Consider investing in items that will add value to you after Black Friday and after the holiday season.

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