Expert gives advice on how to save the budget before the New Year holidays

In times when the cost of living continues to increase, the ability to save money becomes an important skill. There are many methods to reduce costs without unnecessary stress. Svetlana Balakhtina, Head of the Loyalty Service Development Department at Apelsin, told Izvestia about ways to optimize your expenses before the New Year holidays.

According to the expert, it is critical to record all your spending. It is recommended to start using an online calendar to mark the days of receiving your paycheck, as well as to determine how much you should put aside for savings or upcoming purchases. In addition, the expert advises using color coding in the calendar, such as green for income, red for mandatory expenses and yellow for desired spending.

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The expert also advises to actively use referral systems and loyalty programs. This is a great way to return part of the money spent, for example, on gifts, or save on your next purchases with bonuses.

"It is better to choose programs or services that work with several partners, so that you can use your points or receive cashback in different stores. This way, New Year shopping will become even more pleasant and profitable," Balakhtina specifies.

When choosing a New Year's gift, the expert recommends paying attention to vintage stores, where you can find used things in excellent condition or even with tags, and they cost two or three times cheaper than in the mass market or on the marketplace.

"Before you make a purchase, be sure to do a little price research. For example, if you want to buy a new jacket, first find it on the website of the main brand, where it costs, for example, 7,000 rubles. Look for the thing in the brand profile on a popular marketplace and compare the price, most likely the cost will be lower," - summarized Balakhtina.

Earlier, on November 28, Ilya Varlakhov, director of VI-media advertising and PR agency, told Izvestia about marketers' tricks on sale days. According to him, limited terms and the effect of scarcity create a sense of value of goods or high benefits from the purchase and people make it.