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Weirdest Boxing Day Ever?

Welcome to the weirdest Boxing Day ever? Certainly (in Canada) one of the most different Boxing Days in my lifetime. In most of Canada, most storefronts are only open for pickup. Will this somehow blunt the Frenzy that is Boxing Day? We shall see, but I suspect On-Line Boxing Day will be crazy. I feel for the delivery folks over the next few days.

Black Friday NT Times
Where Do They Keep the Cheese Straighteners?

When we first moved to Ottawa, Boxing Day was a day of rest. No stores were open, but that slowly started changing. I grew up in Montreal, and there, stores opened at Noon on Boxing Day, and then it was a bit of a madhouse. Up until this year, Ottawa would be a madhouse starting at 8 AM, with sales and huge lineups.

Is it all worth it?

Previous Boxing Days?

I have written on the topic of Boxing Day a few times.

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The 12 Days of Christmas Debt

To get everyone in a festive Christmas spirit, allow me to offer this cautionary tale of Christmas Debt.

The 12 Days of Christmas DEBT

12 Months of Agonizing Payments

Have you paid off last Christmas yet? How about the one before that?

11 Maxed Out Credit Cards

How much room do you have on those cards? Really?

10 Overdrafts a leaping

Really, how much are you paying in overdraft fees? Just because your bank balance can show a negative value doesn’t mean it should always be that way!

9 Minimum Payments

Do you realize you will pay that off in 20 years with those minimum payments, or possibly 50 years? Minimum payments forestall the inevitable.

8 Balance Transfers

Shuttling debt from one credit card to another is not solving the problem. Juggling chainsaws will lead to a messy end, and that is what this is.

7 Cashed in Emergency Funds

Is Christmas debt an emergency? I don’t think that is the emergency you were planning.

6 Pay Day Loans

Pay Day Loans could be starting a death spiral in your finances that will lead you to Day (3)

5 Gold Reclamations!

Did your Grandmother leave you that ring to help you cash it in for pennies on the dollar to pay off debt?

4 Calling Collection Agencies

These are not the bogus ones you get emails. These are the real ones

3 Calls to insolvency trustees

They can help, but you can’t keep doing this every year either.

2 Calls to your family for an emergency loan

You do have to pay those back, you realize?

1 Mortgage Refinance

Using the equity in your house to pay for consumer debt is a terrible thing.

Yes, not very festive, but ultimately a bit too true. I go to Church, and I am confident the Christmas season is not to bankrupt you. It is at a time to get together with family and friends. 

Wonder why you dislike this time of the season? How many of the Days of Debt on the list are you facing in January?

Previous Boxing Days?

I have written on the topic of Boxing Day a few times.

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Boxing Day Mayhem

By the time you read this, the mayhem that is Boxing Day will have already begun. People will have stayed up most of the night trying to get bargains or reasons to spend any money they got for Christmas, but keep this piece of advice in mind (from our friends at Bro Tips):

and also remember my advice from a while back too:

Also very True
Also very True

Spend wisely and Respect Each Other

The people working today, are there to serve you, but that doesn’t mean you get to treat them like dirt, show them respect and thank them for being there today.

Previous Boxing Days?

I have written on the topic of Boxing Day a few times.

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One Thing You Can Buy on Boxing Day

So a while ago, I spoke about how Anti-Virus software is needed, but the pricing trickery is ridiculous.

On Boxing Day here in Ottawa, pricing games were driven home like a nail from a pneumatic nail gun.

I have noticed that the Boxing Day sales regularly have Anti-Virus software on sale, so I decided I would wait and see what might happen with the sales.

Sure enough, our Amigos at Future Shop delivered and had Norton 360 on sale for $29.99, for three machines and for a 15-month subscription (remember to renew for one device for 12 months was going to cost $79.99), so my patience seems to have paid off. I checked the Norton site and they had a Boxing Day sale for the same product (3 licenses Norton 360) for $69.99 (wow).

I guess we can add Anti-Virus software that you can purchase at the Boxing Day madhouse.

Previous Boxing Days?

I have written on the topic of Boxing Day a few times.

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Boxing Day Advice

Happy Boxing Day! You have managed to make it through Christmas Day, and now you must figure out whether you are a Boxing Day person or not. Remember, the Boxing Day Main Event is You vs. Your Debt, so don’t add to it! (yes, I realize that Boxing day has nothing to do with pugilism)

Things Not To Buy on Boxing Day

As a public service, here is a list of things that you should not buy on Boxing Day:

Truly Xmas Crap
Truly Xmas Crap
  • A pet or any kind of pet larger than a gerbil, the SPCA is full of animals that were bought on a whim. Are there boxing day pet sales?
  • Wrapping paper or any kind of Christmas decorations, you are not getting a good deal, you are taking steps towards being a full-out hoarder. I don’t care if the stuff is free, you have to store it, you’ll forget about it and if you are lucky throw it out, keep your money!
  • A car. Seriously, you are buying something over $20,000 on a boxing day sale? If you can impulse buy something that is that expensive, you really have a problem.
  • Construction supplies, unless you are about to build a new house, 20 sheets of dry wall for $2 a sheet cheaper is not a deal!
  • A frozen turkey, it’s not going to keep until next Christmas, you will waste more money on the electricity keeping it cold in your freezer.

What is Acceptable to Buy on Boxing Day

  • Presents for 2nd or 3rd Christmas. If anyone has an extended family and more than 1 Christmas, Boxing Day is a fantastic day to get your Christmas Shopping finished (if you have a list).
  • Something that your Grandparents gave you money to buy. I used to get a picture of something and was told to buy it at the Boxing Day sales (good idea).

The question you must ask yourself today is, “Do I need to go stand in line with a bunch of crazy people to buy something that you aren’t sure you need.”

Previous Boxing Days?

I have written on the topic of Boxing Day a few times.

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