It’s that time of year again—Christmas is just around the corner, and if you’re anything like us, your shopping list is starting to feel a little overwhelming. But don’t stress! With a little planning and a few smart moves, you can enjoy the season without the usual shopping chaos. Here are some easy tips to help you shop smart, stick to your budget, and give gifts that really matter.

1. Start Early and Avoid the Last-Minute Panic

We all know how the last few days before Christmas can be a mad rush. Instead of waiting until the last minute, why not get a head start? Start your shopping early, even if it’s just by making a list of who you need to buy for. Spreading out your purchases over a couple of weeks means you can shop around for the best deals and actually enjoy the process—not just scramble through crowded shops at the last minute!

2. Set a Budget and Keep It Real

Let’s be honest: it’s easy to get carried away when you’re shopping for the holidays, but a bit of budget planning can go a long way. Set a budget for each person on your list, and make sure to factor in all those extra costs like food, travel, and decorations. Keeping things in check now means you won’t end up with a shock when January credit card bills roll around.

3. Think Practical and Long-Lasting

Instead of buying something trendy that’ll end up gathering dust, why not give a gift that really means something? Think practical and long-lasting! For example, life insurance or funeral cover might not be the first things that come to mind when you think of Christmas presents, but they’re incredibly thoughtful gifts that can offer peace of mind to the people you care about. After all, you’re helping them prepare for the future, and that’s something they’ll truly appreciate.

It’s about giving something that will protect and support your loved ones—kind of like a gift that keeps on giving.

4. Go for Personal and Meaningful Gifts

The best presents are often the ones that show you’ve really thought about the person you’re giving them to. It could be something homemade, like a hand-knitted scarf, or a more sentimental gift, like a framed family photo. The personal touch really goes a long way and makes the gift even more special.

And don’t forget that you can always donate to a charity in someone’s name or get them a voucher for a local experience—whether it’s a cooking class or a scenic tour. It’s all about creating memories and supporting good causes.

5. Support Local and Keep It Kiwi

When you’re ticking off your Christmas list, why not make an effort to shop local? Buying gifts from New Zealand businesses is a great way to support the local economy and help out small businesses in your community. Whether it’s locally made products, artisanal food items, or even local experiences, there’s so much to choose from.

Plus, when you shop locally, you’re cutting down on shipping distances, which is better for the environment—win-win!

6. Plan for the Future with Life Insurance and Funeral Cover

Christmas is also a great time to think about the future. If you haven’t already, why not consider giving a life insurance policy or funeral cover as a gift? We know, it’s not the usual gift idea, but it’s one of the most meaningful things you can do for your family. Life insurance helps make sure your loved ones are taken care of, no matter what life throws their way.

A funeral cover ensures that your family won’t have to worry about the financial burden during a difficult time. It’s peace of mind that shows you’re thinking about their well-being, both now and in the future.

________________________________________

Wrapping It Up

Christmas shopping doesn’t have to be stressful or expensive. With a bit of planning, a realistic budget, and a focus on thoughtful gifts (like life insurance or funeral cover), you can enjoy the season without the usual worry. So go ahead—tick off that list, enjoy the holiday fun, and remember: it’s the thought that counts!

Disclaimer: The information provided in this article is of a general nature only and does not take into account your personal situation or goals. You should consider whether the information is appropriate to your needs and seek independent financial advice, if required, to ensure an insurance product is suitable for you.

Any product information is correct at the time this article was published. For current product information, please visit the Dollar Insurance website.