October 03, 2017

How to shop for Fall on a budget

If you’ve just breathed a sigh of relief because the back-to-school shopping season is behind you, you’ve got another thing coming. Shopping on a budget can be a challenge, but not impossible. The fun is just beginning!

Your child may be outfitted for the new school year, but you probably need some warmer autumn clothing for yourself. Now that the leaves are starting to change colors, winter isn’t far behind. With it comes a slew of wardrobe necessities and accessories to purchase, both for yourself and the rest of your family.
If the dollar signs dancing before your eyes are looking frighteningly large, you can relax!
Read on for six timely money-saving tips this shopping season.

1.) Layer up
Don’t pack your summer clothing yet. Save tank tops and summer vests for layering up in colder weather. You can also stick a long-sleeved T-shirt under a dress and add leggings and boots to make it warmer.

2.) Take inventory
Take stock of your closets before hitting the mall. You may not realize what you’ve saved from last year’s winter until you look. Take an inventory of what each family member has and what they still need and write it down.

Lady holding many shopping bags.

3.) Shop the sales
Take advantage of fall’s many holidays – and their sales! There’s Columbus Day, Veterans Day, and of course, Black Friday. It’s often worth waiting for the next holiday to buy what you need.

4.) Shop online – without paying shipping
Online shopping can be significantly cheaper than retail stores – until you need to tack on $6.99 for shipping. Beat the system by looking for free shipping on sites like Freeshipping.com, or by taking advantage of the free in-store pickup that many retailers offer.

When you’re dressing on a budget, simplicity is key.
~Ne-Yo

5.) Time it right
There’s a season for every purchase. If you wait until a specific item goes on sale, you’ll save big. For instance, jeans always get marked down in October and last winter’s boots show up on sales racks at the end of September. Also, winter coats go on sale as soon as Christmas is over. Depending on your climate, you may be able to hold off until after the holidays. Alternatively, if your old coat is in good condition but you’d like a more updated look, consider making do with it for now, and buying a new one when they go on sale.

6.) Shop the overstock
Stores that specialize in deeply discounted merchandise, like DSW and Marshalls, can be a terrific source for name brand clothing at generic prices. These stores are especially beneficial for stocking up on basics. Similarly, check out secondhand stores and sites like Overstock.com for incredible deals on stuff you need.

7.) The Credit Union offers a few other ways to shop on a budget
Nickel Back Rewards– When you use our Debit Card as a signature versus a PIN, we’ll deposit 5 cents into your account at the end of the day. Over time, those nickels add up to several dollars a month, which add up to many dollars over a year—enough to buy someone an ugly sweater for the Holidays!
Member Rewards – When you use our Rewards Credit Card, you earn points for every dollar spent. You can redeem your rewards during the holiday season to give a nice gift to someone special!

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