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While retailers are busy trying to stimulate enough holiday sales to put them into the black financially, consumers are dreaming of a black Christmas, one that keeps them in the black on their personal ledger sheet. Although Black Friday and Cyber Monday spending tempted millions of shoppers to part with some cash, or at least pull out the plastic, many have now not only returned to financial reality, but have also returned their purchases.
According to the November poll hosted on the NFCC’s website, 40 percent of shoppers intend to spend zero on holiday purchases, while 51 percent plan on cutting back on what they spent last year. The NFCC poll strongly indicates how seriously consumers are taking their financial situation, and are committed to putting their financial lives in order, even if it means scaling back on holiday purchases.
The NFCC and MMI offer the following last-minute tips to help consumers avoid buyer’s remorse, whether that guilt comes a few days after shopping, resulting in returning the purchases, or in January when the bills start arriving.
Play it safe and inquire about the return policy before you buy. If the store offers a gift receipt, be sure to include it with the package, thus making a return much simpler.
This guest post was provided by the National Foundation for Credit Counseling (NFCC). Money Management International is a member of the NFCC. The NFCC is the nation’s largest and longest serving national nonprofit credit counseling organization. NFCC Members annually help over three million consumers through close to 800 community-based offices nationwide.
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