Shop early to reduce the financial pressure of the holidays

This is an expensive time in the Jewish calendar, with Purim being followed soon after by Pesach.

I’ve wanted to write on this for a while and realize I’m a bit tardy in sharing thoughts on navigating this, but hopefully you can still utilize some aspect of the strategies I’m sharing.

When all of the expenses pile up at once, it can be overwhelming. For the week of Pesach, we usually spend 5000 shekels on food – an amount that’s close to our usual monthly total. Then there are the clothing related expenses and that adds several thousands more. Adding in nine or ten thousand shekels of expenses is quite a bit to swallow in one month.

So we don’t.

I space out major purchases so it doesn’t feel overwhelming to pay for everything within a two or three week period.

I wanted to buy the four older boys (14, 16, 17, 21) new suits, and new hats for three of them. That’s a nice chunk of change to spend at once, but I made my purchases before Purim. There were several benefits to doing this: 1) the money for this was spent six weeks before Pesach and not on top of all the other Pesach expenses.

2) I don’t like shopping or vacationing or driving in crowds. That’s not to say I can’t tolerate it, but I’d rather have more peace and quiet in my life, and doing as much as I can do off-season adds to my serenity. In two weeks, every yeshiva bochur in the country will have vacation and will be Pesach suit shopping, together with his younger brothers and father – can you guess what the clothing stores are going to be like?

By shopping early, we had the store and staff to ourselves, with plenty of personal attention and assistance. It’s so much more relaxing and enjoyable to shop like this, rather than having to work hard to get the attention of someone who many other customers simultaneously want help from.

3) I really appreciate getting things that can be done ahead of time taken care of. My life is really full – whose isn’t? – and I would be fooling myself to push off tasks while thinking wishfully that it will be easier at a later time. It’s never easier later. There’s just as much to do later on, plus all the things that were pushed off! This is one thing that has been critical to me staying on top of all that I need to do – I try to minimize procrastination (although dealing with paperwork for Israeli bureaucracy is my weakness). There’s enough to do that can’t be scheduled in advance, so why leave this to a time when there’s so much to do?

So the clothing purchases were all finished by the beginning of March.

Now about food shopping. For our family, our biggest expenses are matza and meat. When I’ve gone to the store in recent weeks, I’ve been dismayed to see that the freezer section is very thin and the prices are very high – to me, shockingly high.

Since I buy meat by the case, I don’t need to shop at the supermarket more than once every four to six weeks. The rise in prices caught me off guard because when I last bought a case of meat two or three months ago, everything was normal. Every section in the meat freezers were full and if the sales weren’t amazing, they were nonetheless regular and the prices were fairly steady.

My infrequent shopping trips meant I didn’t see the meat slowing emptying out and the prices going up. I’ve gone every week for the last three or four weeks, and every week looks worse than the week before. I asked the person in charge of the meat section what is going on, and he said that there’s a supply issue. I asked if they expect the weekly orders to fill the gap and they said they’re making their usual orders but many items aren’t coming in. They’re hoping that some ships will come in with more supplies.

That wasn’t reassuring for me, particularly not with Pesach so close on the horizon. Even when there aren’t supply issues, prices go up for Pesach. None of this is a surprise and what’s good about that is you can plan around it. It really makes a difference to think ahead and plan ahead.

To mediate the effect of the high prices I utilize a strategy that I’ve written about in the past: stock up when the items you want are on sale. I buy my meat ahead of time when there are still bargains to be found in the meat sections; the closer it gets to the holiday, the fewer good buys there are.

I haven’t been able to buy the cuts I prefer for quite a long time, so three weeks ago I decided to buy twenty kilos of ground meat since there was plenty of that. When I went back the next week, it was yet another empty space in the freezer section with everything cleaned out – the woman working there remembered that I had bought a lot and told me how smart it was to do that.

The next week they had beef tongue at a thirty percent discount, though it wasn’t marked as being on sale – I only knew because I directly asked the person in charge of the meat section. While I usually buy a small quantity of tongue, this time I bought a much larger amount. (I used to buy brisket (#3) and chuck (#10) because they were the most affordable but several months ago I discovered flanken (#9) when it was on sale for the same price as brisket. Flanken is now my absolute favorite because it’s so much fattier than brisket; animal fat is not only delicious, but very important for body and brain function and is even beneficial for your skin!)

It’s not too late to spread out your expenses even though Pesach is just a month away. Think about what your anticipated Pesach expenses are. Are there items you can buy now? I don’t buy groceries in advance because I prefer to have my home clean for Pesach before bringing in food items (other than meat), but maybe getting your Pesach staples now would work for you. What about housewares? Do you need another pot or set of silverware? (I bought two new sets of silverware for Pesach a couple of months ago when they were on sale and put them in my Pesach cabinet.) Go ahead and do some early shopping!

How do you keep your Pesach spending from becoming overwhelming? I’d love to see your tips!

Avivah

12 thoughts on “Shop early to reduce the financial pressure of the holidays

  1. We made a bar mitzvah last week BH, and a bonus of that was that we got clothing for everyone (and I squeezed it into the bar mitzvah budget too!)
    When I realized that the bar mitzvah was close enough that we could save the girls’ dresses for yom tov, and that my son had everything he needed, it was such a relief.
    The thought of braving the stores before yom tov is not for the faint of heart 🙂

    1. Mazel tov on the bar mitzva, Kaila! I had the same relief when we had a bar mitzva before Pesach; that it was a “one and done” experience.

  2. Best advice! shop now and beat the crowds. Young men and ladies are off Rosh Chodesh along with middle school the following week. Even the smaller stuff, underclothing, stockings, hair coverings, gifts for family, hair accessories for children. Lists are a huge help. (keeps me sane). Check your notebooks from last year and see what you need, packed away, threw away. It is not always easy as many times we would not have money till the week before Pesach. Do what you can.

    1. Such great tips, Rachelli!

      My problem with my list is that I pack it away with my Pesach supplies. While I do put it on top of the box so I can easily find it, by the time I unpack I’ve already done most of my shopping. I really need to find a better place to put it, and as I’m writing this, I just thought of the perfect spot!

  3. there are a lot of end-of-winter clothing sales now, and much of it is more modest than the summer styles, and can be worn in spring as well, so we tried to find a few things.

    i agree with shopping early! sometimes though i see the supermarket chains like Yesh and Rami Levi put certain things on really good sale closer to the chag, I assume to help people with holiday expenses (at least that’s what I tell myself!), so sometimes it’s worth a quick check closer to, even chicken/fish.

    1. Good point about the end of the year sales, Jillian! I’ve done the same thing.

      And you’re right that it’s probably worth it to pop in to see if there are any great sales closer to the holiday.

  4. I think one of the issues for some of us with shopping early is that we rely on food coupons/cards, which are unfortunately given out very close to Pesach.

    1. That’s true, Chaya Dina.

      But the point about buying early isn’t just to avoid crowds but to spread the expenses across a broader spectrum of time. Receiving coupons is minimizing the out of pocket expenses so that has a similar effect.

  5. Great advice! Shop early to avoid crowds.

    As a kollel family, we get discount vouchers close to Pesach time (for suits, hats, & clothing). I am very appreciative of those vouchers but wish they were given earlier.

    In any case, for my younger children who are still in kid sizes, I purchased Pesach and spring-friendly clothing in the 50% and 70% end of season sale. Planning to purchase tights, tzitzis, headbands, and kippas next week.
    Food can only be purchased after I have clean space for it… usually a week before Pesach. I’m too scared to clean our car 3 weeks before Pesach… not sure my children can keep it chometz free for so long 🙂

    1. Shani, those vouchers are so helpful, whenever they are given! Free or discounted is always good, even if it means braving the crowds.

      We were sometimes been able to buy discounted coupons for suits when my sons were in certain yeshivas and those were really helpful, though it’s no longer something we have access to. I sent my older boys shopping with the younger ones so I didn’t have to be in the stores then. 🙂

Leave a Reply

Your email address will not be published. Required fields are marked *

WP-SpamFree by Pole Position Marketing