But when it comes to keeping costs low in the midst of Christmas shopping, Jennifer Calonia, frugal living expert at Go Banking Rates, explains that saving money over the holidays is a process that takes place well before the final checkout stage of a shopping excursion.
In fact, Ms. Calonia reveals that taking action on money-saving initiatives this season should be executed now. For example, many credit card holders wisely take advantage of the rewards points they’ve earned throughout the year by claiming gift cards.
However, Ms. Calonia warns consumers of failing to factor in the time it takes to receive a shipped gift card.
“Some companies send gift cards via snail mail, which can take up to 10 business days to ship,” reminds Calonia.
Inevitably, consumers to forget this detail miss out on the opportunity to save money using the “free money” they’ve rightfully accumulated.
But claiming rewards points on time is just one facet of saving money in the early November weeks that consumers must be mindful of. Ms. Calonia also identifies two additional opportunities that Americans should consider now to effectively save money on their holiday expenses.
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Jennifer reports on personal finance, with a specialty in saving money, budgeting and lifestyle. She is available to comment on any of these topics and can be reached via e-mail.
About Jennifer Calonia
Jennifer Calonia is a reputed journalist covering personal finance subjects like banking, saving money and debt. Her features and helpful savings tips encourage and empower households across America to achieve financial balance.
Her work is featured in major publications like US News & World Report, Yahoo!, Yahoo! Finance, LearnVest, Business Insider, Can Do Finance and Consumerism Commentary. Jennifer’s next project, a column called “Breaking Up with Debt”, is scheduled to launch late-November 2012.
About Go Banking Rates
Go Banking Rates (GoBankingRates.com)
GoBankingRates.com belongs to a network of more than 1500 finance websites, including GoInsuranceRates.com and GoFreeCredit.com. These sites receive more than 2 million visits each month.
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Jaime Catmull, Director of Public Relations