So why are you so stressed out when the gifts, gatherings, and traditions of the holidays are meant to be so joyous?

The Globe and Mail estimates that the average Canadian family spends just under $2,000 on every holiday season. Add in the time commitment involved in finding that special gift for that special someone and it’s no wonder people get overwhelmed. Well, the following tips can help you save cash and give you more time to enjoy yourself.

1. WiFi is your friend

These days, online shopping has made buying gifts so much easier. You can find almost everything you need to delight your loved ones with the click of a button and the ring of a doorbell. Log on to your computer, pour yourself a hot chocolate, and settle into stress-free shopping. However, insurance broker, Western Financial Group urges one piece of caution: understand the delivery process because you don’t want those extra-special gifts left sitting on the doorstep unattended.

2. Embrace social media

Product sales are great, although you can’t really count on them before Boxing Day. You can, however, seek out many special deals by following your favourite brands on Twitter, or by clicking ‘Like’ on their Facebook pages. This is how many companies release details of online-only promotions.

3. Take a vacation day

If you really must venture out to shops, here’s a secret: Weekday afternoons, before the holidays kick into high gear, offer an entirely different world full of uncrowded concourses and lighter traffic. If you are prone to holiday-related anxiety, it’s worth using a vacation day just to finish shopping and have a little “you time”.

Turning Home After Shopping

4. Protect your gifts

Even though the gifts have been unwrapped and dinner has been served, you still risk unexpected losses. Unfortunately, theft does take place during the holiday season and it often involves merchandise that hasn’t been added to contents insurance, such as items that were just purchased and stolen from a vehicle. These include bigger ticket items like engagement rings and major appliances. To limit this risk, Western Financial Group suggests speaking to your broker to update your policy so that your coverage is sufficient for any major purchases or gifts.

More information on content insurance is available at www.westernfinancialgroup.ca

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