Tips to save money this festive season.

By admin | Oct 17, 2019

It’s the most exciting time to be in India. The lights and colors of celebration are coming alive. Festive themed sales are abundant at this time of the year. Festivals have a tendency to change as you grow up. Some might even say that they have become more of a burden than a cause for celebration. As a child, the simple act of just running around the neighborhood amidst the lights and sounds while wearing your new clothes is sufficient for a festival’s success. As an adult, relationships get complicated and the responsibilities that are thrown upon you make it difficult to truly enjoy the festivities.


So this year, make it more about the experience rather than the gifts. It’s important to remind yourself of the joy you once felt as a child. It might be a good idea to try and relive that. 


Here are a few things to consider before you start breaking the bank:


  1. Giving your time: The most important part of enjoying a festival is being present for others. This Diwali, make your loved ones know that you can be there for them. You can personalize your gifts to show that you are giving your time and effort. Handmade gifts are excellent in this regard. While usually cheaper, the effort that you put in makes it invaluable. 



  1. Make use of sales: If utilized properly, seasonal sales are a great way to save money. But remember, it doesn't mean you buy everything on sale. Make of list of things you need to buy and stick to it. Don’t get carried away by every discount being advertised. Before buying anything, ask yourself if it is really necessary.


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  1. Stick to a budget: While unplanned holiday moments can be pleasant, unplanned spending is the exact opposite. A well thought out budget will set your priorities straight and give you the peace of mind you need to enjoy festivities to the fullest. 

If something you need is out of your budget, you can buy it in monthly installments. Amazon and Flipkart offer 0% EMIs on a lot of products. If you don’t have a credit card, you can try NIRA. You can get a line of credit and avail 0% EMI offers by downloading the app.

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  1. Gift Cards: Presenting gift cards can save you a lot of money. With gift cards, they can buy a product of their choice, saving you the hassle of thinking about a suitable gift. Plus, you decide the amount you want to spend, making it easier to stick to your budget. You can check out for good deals.



  1. Online Gift Stores: There are various online gift stores that specialize in budget-friendly gift options. They can save you time and energy as well since they usually provide shipping and packaging services. Websites like and can help you with interesting gift options that are suitable for all age groups.


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  1. Save on decorations: Decorations can get very expensive during the holiday season. Instead, you can reuse previous years’ decorations and make new ones out of household items. By recycling, you are not only saving money but saving the planet as well.


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  1. Don’t compare yourself with others: Festival spending is not a competition. You are not, and should not be expected to spend beyond your means. The value of a gift doesn't depend on the price tag. A well thought out gift, no matter how small, will be much more appreciated than an expensive gift that is not meaningful to the person receiving it.


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Hopefully, by following these steps, you will have thought of the perfect gift for your loved ones. But, chances are, you might still need some financial assistance because planning for a festival involves more than just gifts. If that’s the case, you can apply for a personal loan from NIRA. With low-interest rates and a flexible payment schedule, NIRA will make sure that your financial needs are met without feeling burdened. 




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