Can you believe we’re in the middle of September already? Like, where in the world did the year go? It’s about to be holiday season all over again! Are you ready? Because if you aren’t, it’s time to get ready.
Everyone knows just how crazy this time of the year gets so it would be a good idea to get prepared for what is it come. I’m sure your kids have been asking you for all kinds of things this year – they always do.
Now first thing first:
Decide – I don’t want to be the one to say it but I have to. EVERYONE DOES NOT NEED A GIFT. Decide on the people that you plan to get a gift for. Think about those who have been good to you. Maybe it’s your boss or a family member or someone special. Stop wasting your money year after year on people who haven’t earned that kind of affection. I stress this point because this honestly is one of the main reasons people struggle at this time of the year. It’s like you’re beating yourself up for people that are truly undeserving. Not this year!
Make a list – list all the items they’ve been asking for.
Do your research – Figure out where these items can be bought and shop around for the best price. Then make the best choice.
Create a holiday budget – don’t go holiday crazy! Be reasonable. If you would like to increase your budget, increase your income temporarily. Work a part time. Hustle.
Make more money – find ways to make more money so that the gifts are not your whole life savings sacrifice. Make some extra cash whether you pick up a part time, find ways to make money with your skills, or use coupons.
Buy on credit – even if you have the cash to spend, it may be a smart idea to purchase items on credit while paying them right off. This can help you to increase your credit score while spending. You may also accumulate rewards and savings. (I’m no financial advisor)
Be smart – be realistic with yourself. Make people smile but don’t do it on the count of your down fall.
Think about it.