8 ways to save money on holiday shopping so you don't carry extra debt into 2020 - Business Insider

If you're spending too much money during the holiday season you may want to consider a few swaps to save some money.

Sometimes it makes sense to purchase low-quality items: If you're buying clothing for kids there's no reason to pay top dollar for something that will get ruined after one week of recess.Strategize which credit card you use for purchases, and shop at wholesale stores to maximize discounts. Spending too much every winter? Us, too. Try some of our favorite shopping swaps that will save you enough money to buy yourself a gift at the end of it all.

Is holiday spending a valid reason to pile onto your credit card debt? More than half of Americans who already have a balance think so, according to But even though the holiday season is arguably the priciest time of year, there's no reason you have to resign yourself to carry extra debt into 2020.

Keep your credit card balance at a comfortable level — and get gifts everyone loves — by employing a few of these holiday shopping swaps. Don't splurge on something that could get destroyed on the playground.Although you may spend more upfront, it's worth it to splurge on classic clothing items that can transition through seasons, said Andrea Woroch, consumer savings expert at.

Children's clothing is the exception: The pricier brand names aren't worth it when it comes to the under-13 set. There's no reason to pay top dollar for something that will get bedraggled after one week of running around at recess. Woroch recommended going to stores like Walmart for your kids' clothing gifts where you can get great, low-priced items that won't bring you to tears if an outfit gets trashed at the playground.

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