Buying Special Gifts on a Budget

If you are on the hunt for a piece of jewelry or another special gift for a loved one, bad credit can prevent you from getting store financing. Quality jewelry can be expensive and jewelry stores in particular are wary of bad credit, so how can you afford an engagement ring without spending your life’s savings?

Don’t give up hope yet, you can find another way. Selling stuff from around your house, finding a part time job online or getting an installment loan can help you get that special gift sooner, even without good credit.

Selling Stuff Around the House

Going through your stuff (DVDs, video games, books and such), you’ll be surprised how many things you can sell. Selling your extra stuff on eBay, Amazon and other online market places is fairly simple. Try to at least match the lowest price (as long as it’s reasonable) and you won’t have trouble selling.

Selling items from around the house usually isn’t enough to fund an engagement ring by itself, but it will be a big step towards it. If you happen to have big things around your house like an extra TV or barbecue, it can add up quickly.

Making Online Jobs

Blogging, making funny videos or opening a hobby website with ads can also help you save for a special purchase, but like any job, it takes awhile to start getting paid. If you have time to save up, making an online small business or finding a part-time job online is a great option. Here are a few job ideas:

  • Professional blogger. Talk about something you love and link related advertisements to it.
  • Video blogging (vlogging) is also becoming popular. People who prefer to talk instead of write about their favorite topics tend to do videos with advertisements.
  • Make a hobby website. Websites educating others about a hobby are always fun and can easily turn a profit if well maintained.
  • Make something and sell it. When someone is hunting for a cat-shaped bottle opener or something unique that you can make—they will buy it from you.

Installment Loans

As mentioned above, sometimes you don’t have the time to spend making money — you need it now! If the store won’t give you a finance plan, check for installment loans online. Many online loan companies offer loans despite low credit scores and have excellent rates comparable to regular store financing.

Another benefit to getting an installment loan online is that you’ll know if you’re approved instantly. Then you can start planning for that special day sooner rather than later.

Have more budgeting ideas? Share your idea below in the comments!

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January 2, 2012 | Filed Under money 

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