Kim here from SomethingMorePublications,
How Often Do You Find Yourself Saying: " I Wish
I Knew How To Stick To My Christmas/Holiday Budget"???
You know every year there are a lot of reports on the news
about how deeply in debt people become during this Holiday
Season. It is possible to have a nice Christmas/Holiday without
maxing out the credit cards. Here are a 6 Simple Tips that
could save you a bundle during this Christmas/Holiday Season.
Tip #1: Hide the credit cards - By not using credit cards you
are already a step ahead of the game. There's no worry about
the interest and all those payments that come due after the
first of the year. If you are already using credit cards carefully
you might be able to continue using them for those Christmas/
Holiday Gifts, just be sure to pay it off when the bill comes due.
Tip #2: Make a list - Sit down and make a list of all the people
you would like to give gifts. Once the list is made, stick to it.
Then decide how much you want to spend on each person
and write it beside each name. Then when you go shopping
either online (like at SomethingMorePublications
for great digital downloadable ebooks on great topics) or
at the mall, there will be a price range for each gift. It will help
avoid overspending. Even a dollar over expected spending
can add up if there is a large shopping list.
Tip #3: Draw names - Many families help cut back on Holiday
spending by drawing names. Each person in the family only
shops for one other person whose name they have drawn.
Instead of buying several gifts, even if they are inexpensive,
each person can get one nicer gift. This makes shopping
easier too. Instead of trying to fill a huge list, just take your
time and focus on getting that "perfect" gift for just one
person.
Tip #4: Shop ahead - Get organized and have good hiding
places. By doing this you can purchase those Christmas/
Holiday gifts all year round, taking advantage of the after
Christmas/Holiday sales, out of season and clearance sales.
Go ahead and wrap and label the gifts. This helps keep
people from seeing what was purchased and you won't
forget which gift was for whom.
Tip #5: Lay-away - Some stores still offer a lay-away
program, so you can pay a little at a time each month.
By doing this, you can budget things out over a period
of time. By combining this with the list and budget plan,
you can cut out the interest incurred using credit cards
and still make a monthly payment.
Tip #6: Gift cards - While gift cards are convenient for
gift giving, many people feel they are impersonal. But
here's a way to use Gift cards so you can shop on a
budget, if shopping ahead of time. Purchase the gift
cards in the amount you can afford each week or month.
Tuck them away in an envelope in a safe place until you
have the amount needed to purchase the gifts. You can
keep an eye out for sales on certain items this way, as
well. But remember to check to see if the cards have an
expiration date. Some expire after a certain time once
activated and others have no expiration date at all.
Some are even "rechargeable" and more money can
be added as needed. What a great idea....
But, No matter what Tips you choose, the best thing
is to get Organized and Plan Ahead. Spur of the moment
shopping is the worst for anyone's budget. It's too easy
to just grab something on impulse and blow the best of
your budget intentions.
I personally use Tip#2, #4 and #6 (Gift Cards to their
favorite restaurant, or to one of the home improvement
stores, so they can go have a GREAT meal or get that
needed/wanted item for the home they didn't get to buy
this year).
I hope you have enjoyed this article that can be used
year after year to stay within your Holiday Budget.
I Wish You and Your Families a Wonderful, Fun-filled,
and Memorable Holiday Season, where every you maybe
in the world. Blessing...
Have a FANTASTIC Day...
Happy Holidays
From Kim Parsley
at SomethingMorePublications
ps.. Have you gone to check out what is available
at SomethingMorePublications? GO NOW .to
http://www.SomethingMorePublications.com ..to see
what we have in digital ebooks in these categories:
Christmas, Hobbies & Crafts, Pregnancy & Baby Care,
Raising Families, Wellness, Your Diet & Your Body,
Pet Care ,and Home&Garden Improvements are some of them....
lots of great ebooks to choose from..
pss.. Thanks for Subscribing....enjoy your Holiday Season....
If you wish to cancel your subscription, simply click once on the link below.
http://www.parsleyinfomarketing.org/cgi-bin/arp3/arp3-un.pl?c=812&p=4006
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