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For Shoppers, The Grinch Steals Christmas Early

iStockphoto

Consumers have 170 shopping days left before Christmas, but to find the best sales, you may need to start today.

Retailers have already said they plan to scale back holiday deals, reports The Wall Street Journal. Faced with higher costs from manufacturers and dismal consumer spending projections, they have cut inventory with a plan to sell fewer goods at higher prices, says Jeff Green, an independent retail consultant. “In the last several years, retailers have focused on inventory control, making sure they don’t over-buy for the season,” he says. “They’re getting a much better understanding of what selling and what’s not.”

Consumers are missing out on what were of the earliest holiday deals in past years. Last year, Sears, K-Mart and Toys R Us had all started holiday savings clubs by this time — Toys R Us on June 16, Sears and K-Mart on July 2 — offering consumers a 3% bonus on whatever they saved in store accounts between now and fall. This year, none have announced programs so far. A spokesman for Toys R Us says the store will not be repeating the program this year because shoppers expressed more interest in layaway and other promotions. (Sears did not respond to requests for comment.)

But there is still a chance that retailers will, like the Grinch, relent and back the Christmas deals. “If things are not discounted, spending will be down,” Green says. Stores may be holding off until late August to see how the back-to-school spending plays out. If it’s not as good as they hoped, they may put more holiday deals on the table, he says.

While the retailers are playing wait-and-see, shoppers can, too. Start stashing away cash in a high-yield savings account to offset holiday bills, and draft an early list of potential gifts and recipients. Summer sales have been plentiful and state sales tax holidays are approaching, which could help you cross a few items off early.

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      # 1
      Faction Icon Creator Here
      08-04-2011, 06:14 PM
      Howdy all, I have been working on faction icons and have become pretty good at it if I do say so myself.
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    • “While the retailers are playing wait-and-see, shoppers can, too. Start stashing away cash in a high-yield savings account to offset holiday bills…”

      Forget Christmas shopping! Where, pray tell, would I find the “high yield savings account” of which you speak?

About Pay Dirt

  • Pay Dirt examines the millions of consumer decisions Americans make every day: What to buy, how much to pay, whether to rave or complain. Lead written by Quentin Fottrell, the blog examines these interactions, providing readers with news, insight and tips on shopping, spending, customer service, and companies that do right – and wrong – by their customers. Send items, questions and comments to quentin.fottrell@dowjones.com or tweet @SMPayDirt.

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/quotes/zigman/629063/realtime 2,082 +2 0.11%
Gold
/quotes/zigman/33772884/delayed 1,208 +13 1.09%
Oil
/quotes/zigman/2260836/delayed 27.04 -0.41 1.49%
FTSE 100
/quotes/zigman/3173262/delayed 5,672 +40 0.71%
DAX
/quotes/zigman/2380246/delayed 9,017 +138 1.55%
CAC 40
/quotes/zigman/3173214/delayed 4,061 +64 1.59%
FTSE MIB
/quotes/zigman/1482176/delayed 16,714 +801 5.03%
IBEX 35
/quotes/zigman/2759620/delayed 8,144 +216 2.73%
Stoxx 600
/quotes/zigman/2380150/delayed 315 +6 1.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,439 -15 0.60%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
Hang Seng
/quotes/zigman/2622475/delayed 18,532 -757 3.92%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 23,584 -175 0.74%
Singapore
/quotes/zigman/1709939/delayed 2,561 -21 0.80%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.00%
Yen
/quotes/zigman/16008150/realtime/sampled 112.69 -0.66 0.58%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.03%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.08%
DXY Index
/quotes/zigman/1652083/delayed 95.75 -0.08 0.08%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.84 -0.05 0.05%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.67 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.24 0.00 0.00%
Italy 10yr
/quotes/zigman/15866497/realtime 1.65 0.00 0.00%
Spain 10yr
/quotes/zigman/15866444/realtime 1.72 0.00 0.00%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 0.00 0.00%
Crude Oil
/quotes/zigman/2260836/delayed 27 0 1.49%
Gold
/quotes/zigman/33772884/delayed 1,208 +13 1.09%
Corn
/quotes/zigman/25518691/delayed 360 0 0.00%
DJIA F
/quotes/zigman/48241424/delayed 15,795 -71 0.45%
S&P F
/quotes/zigman/43106711/delayed 1,839 -8 0.45%
Silver
/quotes/zigman/32655632/delayed 15 +0 0.64%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 101.00 1.46 1.47%
AAPL /quotes/zigman/68270/composite 94.27 -0.72 -0.76%
GOOG /quotes/zigman/59527964/composite 684.12 6.01 0.89%
BAC /quotes/zigman/190927/composite 11.98 -0.22 -1.80%
C /quotes/zigman/5065548/composite 37.41 -0.10 -0.27%
F /quotes/zigman/264304/composite 11.34 -0.01 -0.09%
T /quotes/zigman/398198/composite 36.43 -0.22 -0.60%
BP /quotes/zigman/247026/composite 28.04 -0.31 -1.09%
GE /quotes/zigman/227468/composite 28.30 0.02 0.07%
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

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