8 Tips To Find Local Holiday Shopping Deals for Your Home

The holidays are filled with special moments big and small, warm gatherings, cozy decor and meaningful gifts that can turn a house into a festive home. But as holiday spending in the U.S. reached an estimated $994.1 billion last year, it's clear that the season can come with a hefty price tag. However, with a little planning and a focus on local finds, you can celebrate in style and still spend wisely.
Here are tricks to make your holiday home shopping both joyful and budget-friendly.

1. Start Early and Make a Plan

Holiday impulse buys can drain your budget fast, but a little planning can go a long way in saving money and reducing stress. Begin with a realistic budget, then jot down a simple wish list—whether it's ornaments, seasonal decor or cozy touches like candles and throws—along with estimated prices.
Shopping early gives you the best shot at early bird deals and fuller inventory before popular items sell out. Plus, if you use a credit card with rewards or cash back, planning lets you time purchases strategically so every dollar works harder for you.

READ MORE: 5 Affordable Holiday Party Ideas

2. Sign Up for Local Store Alerts and Newsletters

Many local businesses offer exclusive deals to customers who follow them online or subscribe to their email lists. Signing up for store alerts, newsletters and social media updates is a simple way to stay ahead of limited-time offers, pre-holiday sales and loyalty discounts.
Some small shops may even offer subscriber-only deals or early access to holiday specials. It's a low-effort, high-reward tactic, especially if you're shopping at multiple local retailers for gift ideas, decor or seasonal services. Don't forget to turn on app notifications for your favorite stores, as some mobile-exclusive coupons can unlock surprise savings just when you need them!

3. Shop Small Businesses and Holiday Markets

The charm of holiday shopping is often found in local markets, boutiques and seasonal events. Small businesses and community holiday markets are ideal places to find handcrafted items and festive home decor, sometimes at lower prices than the big-box retailers offer. Local events may offer bundled promotions, pop-up discounts or giveaways that reward in-person shoppers.
Additionally, by selecting local retailers, artisans and small businesses, your purchases support your community's economy during one of the most significant sales periods of the year. You can also find one-off, unique designs that will delight your friends and family.

4. Use Local Deal Apps and Community Boards

Your next holiday bargain might be just a few blocks away. Neighborhood-focused platforms like Nextdoor, Facebook Marketplace, Eventbrite and even local chamber of commerce sites often post real-time updates on seasonal sales, pop-up markets and community discounts.
From holiday light installations to home cleaning bundles to decor setup and removal, these local finds can save you money and free up your schedule—so you can spend less time shopping around and more time soaking in the moments that make the season merry and bright.

5. Compare Costs and Look for Price Match Options

Retailers may offer price matching or added-value perks like free local delivery, gift wrapping or loyalty points. Before making a purchase, don't hesitate to ask if the shop offers price match guarantees. Some businesses are happy to work with you, especially if you're a returning customer or buying multiple items.
You can also use the Synchrony store locator to find nearby retailers that offer great promotions and accept Synchrony financing. It's a simple way to connect with trusted local stores, many of which provide flexible payment options to help you stay on budget without missing out on the things that make the season special.

6. Check for Floor Models or Clearance Finds

Holiday updates don't have to mean overspending. If you're shopping for furniture or appliances, ask about floor models, display pieces or end-of-season stock. These gently used or out-of-the-box finds can bring style and function to your home at a fraction of the price.
Clearance sales also typically ramp up in mid-to-late December as retailers make space for new inventory. And don't forget to look for deals during Black Friday and Cyber Monday! That's your chance to scoop up holiday decor, serveware or seasonal scents at deep discounts—little touches you can enjoy now or save for next year.

7. Bundle Local Services for Decor or Installations

Holiday joy isn't just about what you buy; it's about how effortlessly it all comes together. Local businesses may offer bundled packages for seasonal services like light installation, garland setup or custom wreaths. By choosing a single vendor for design, installation and even post-holiday removal, you may save time, cut stress and even unlock built-in discounts. Because when the heavy lifting is handled for you, you're free to focus on the laughter, the gatherings and the memories in the making.
Bonus tip: Ask if they sell gift cards. These make thoughtful presents for friends or family moving into a new home—or anyone who deserves a refreshed space to celebrate the season.

8. Ask About Unadvertised Discounts

It never hurts to ask. Some stores offer military, senior, teacher or student discounts but don't advertise them. Others may have unpublished promotions for repeat customers, bulk purchases or referrals.
If you're making a larger purchase, like home furnishings or bundled decor, inquire about custom discounts or added services. A friendly conversation with a local shop owner may unlock opportunities you wouldn't find online.

Make Smart Local Purchases That Feel Good and Do Good

Shopping local lets you support neighborhood businesses, find one-of-a-kind pieces that add character to your home, and enjoy the kind of personal service that's often hard to get online. Pair those purchases with credit card perks—like cash back or rewards—and your spending stretches even further.
Whether it's a handcrafted wreath from the market or a festive table setting paid for with points, these choices bring warmth to your home while helping you boost your community and your budget.
And if you're looking for deals, explore the Synchrony Marketplace. Find your next giftable and flexible financing options from your favorite brands—all in one place. For more information and to browse current offers, visit the Synchrony Marketplace.

READ MORE: 10 Tips to Get Your Home Holiday-Ready