*this post is brought to you by Veda but is entirely authentic and my own opinions (and my genuine shopping tips!).
You know how some people are really gifted in one specific area? I don’t like to brag…but I will. I am seriously out of this world, amazingly awesome at online shopping (and yes, it does leave my credit card a little dry at times – but more on my credit health later!)
Don’t get me wrong, it wasn’t a natural gift, I dedicated myself to the cause big time (late night breastfeeding took me from average to excellent) and over the years I have become basically a pro at it. Millions of endorphins rush through my body when I hear the deliveryman at my front door.
The online world is a fabulous vortex to get sucked into. Especially at Christmas time. I love the old school way of Chrissie shopping as much as the next dame, but doing it in the comfort of your own home, without the hassle of finding a park or carrying around pesty kids is pure bliss.
Allow me to share some of my all time favourite online shopping destinations. This is where all my beloved’s will be getting Christmas gifts from this year. The added bonus is I ALWAYS find a winner at these sites for myself, a little reward for sorting all the gifts.
ETSY – https://www.etsy.com
If you’re not already across Etsy, where have you been?! Seriously, I wont judge you, but I actually will. This is always my go-to to for special and personalised gifts. In fact this year, I’ve bought a couple of gold initial pendants necklaces for gifts (spoiler alert if they are reading this!). They are stunnning. My other fave for Christmas on here are the personalised felt letter bunting for babies and kids rooms. As a parent you gotta love anything made out of felt. Felt=NO NOISE!
The Book Depository – http://www.bookdepository.com
This is a book lover’s best mate. I stock up here for Christmas presents for the family. I LOVE choosing books for people I care about. I am old school when it comes to reading, I like holding a physical book and turning the pages. You have to really know someone well to chose the perfect book so I love this challenge. You can buy books here for a quarter of the price you may elsewhere. Not kidding. Don’t tell anyone else.
Luxury Escapes – https://luxuryescapes.com
If someone has been very good to you this year and you’re looking for a present to out-present all others, this baby is the way to go. They have such good flight and hotel deals every single day. I use these guys all the time (mostly to buy myself presents). They do a lot of local weekend stays as well, so there is something for everyone.
Urban Outfitters – http://www.urbanoutfitters.com/interstitial-page/desktop.html
For anything fun and quirky, this is the way to go. Everything from lamps, posters, and decor pieces for the home. They have some great homewares, bed linen and rugs too. This is an American store so anything you get from here means the odds are no-one else you know will have it.
Down that Little Lane – http://downthatlittlelane.com.au
I spend waaaay too long snooping around on the site. Much like Etsy, it houses great stores for cool presents. Everything from art, jewellery, baby presents and things of the home. You’ll find so many things on here you didn’t even know you needed. You ALWAYS need it… so do your friends you are buying a gift for.
According to research by Veda, there are 1.9 million Aussies who are at risk of credit default in the next 12 months. Umm… Whoa!!! If you use credit cards to do your online shopping or are thinking of applying for one this Chrissie, we have you covered so it doesn’t happen to you!
Veda has kindly shared with us 3 short tips to help you avoid a debt hangover and start the New Year with a healthy credit profile
• Pay your minimum credit card balance each month. Set up a direct debit to avoid late repayments being recorded on your credit report. This can impact your ability to get credit for bigger ticket items later down the track.
• Think twice before you apply. If you are looking for a new credit card to get through the Christmas period, do your homework before you apply. Many applications in a short space of time can be an indicator of financial stress, so research the best deal and read the fine print before applying.
• Keep track of your credit commitments. Veda research has shown that people who apply for a credit card in the lead up to Christmas are 20% more likely to default in the new year. Only apply for credit if you need it and be mindful that there are many forms of credit, such as utility and phone contracts, loans, interest free store finance and store cards. A starting point is to check out what is on your credit report and get your score.
* We all want a good deal when it comes to credit. And what a lot of people don’t know is that it’s up to us to seek better credit deal. Your most powerful tool to do this is knowing your VedaScore. This gives you the power and allows you get a better deal on credit offers – and you know I love a good deal! You can do it right here.