Christmas Savings tips and tricks 

Industrial action, COVID-19 disruptions and Christmas-level parcel volumes every week mean the lengthy delays people are experiencing in regards to their delivery times are here to stay, according to the boss of logistics software company Shippit

That’s why we here at SmartWayToPay think now’s the time to be considering shopping for Christmas. So what’re some top tips to saving on your Christmas shopping? 

Cash in your Rewards Points

Whether it’s Flybuys, Woolworths, Qantas, Virgin or others, don’t forget you can cash in rewards points. With not a whole lot of travel getting done over the previous months, it’s worth checking in to see how much value you may have built up on credit card spending.


There are plenty of great websites now that will help you compare prices and find the best deals on consumer goods. Check out the below: 

  • Google Shopping – no explanation needed… Google helps compare product prices against all sorts of retailers.
  • – Another great consumer goods comparison website. 
  • – Very cool! This plugin sits over your website and will find the product you’re looking for at the cheapest price. 

Use cashback plugins

Retailers have always paid referral fees to intermediary businesses that generate sales for them. There are now intermediaries that share that commission directly with consumers. Check out the below: 


As always… Pay the Smart Way…

While Christmas may seem a long way off, the decision by Australia Post to temporarily suspend parcel deliveries this week in Melbourne should act as a lesson to be prepared.

Recent Canstar survey data showed 95 % of Australians are currently feeling financially stressed. For many Australian families, Christmas in 2021 will be financially distressing and difficult. But resorting to high interest products can only intensify the pressure in the new year.

Remember, there are now different payment systems and avoid high interest credit products. Buy-Now-Pay-Later is a far smarter option than high interest credit cards. 

The rate at which people have been paying down their credit card debt of late is heartening. It would be great to see a credit-free Christmas, especially given some of the new and better options available.

Don’t blow the budget this Christmas if you can help it. If there are essential big purchases, you don’t need to pay high interest rates again as for most people there are new zero-interest options available.

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