Making the decision to adhere to Christmas on a budget is simple. Adhering to that commitment is the demanding part. Here are 5 tips to spending less over the Christmas season.
As a matter of fact, everybody has likely considered the idea at one time or another but fell short of the goal. No matter how respectable your intentions, once the season gets in full swing a frantic momentum takes over. Before you know it, you’ve spent a good portion of your preset strict budget, are nowhere near finished and are forced to put off your frugal goals for some other year.
Let’s jump-start this and save you from this fate with five solutions to help you stay on course with your Christmas ideas for families.
Christmas On A Budget
1. Don’t go window shopping at the shopping mall. Better yet, don’t go to the mall at all, if you can help it. Marketing execs are paid big bucks to make you forget your ambitious plan. In fact, they spend money to learn which methods will make you spend yours. Online shopping and Black Friday Deals still pressure you into purchasing what you don’t want or don’t need but it’s less painful to say no when shopping in your PJ’s from the comfort of your own family room.
2. Christmas On A Budget. This is oftentimes easier said than done. Be frugal and stern with yourself. Take cash out of the bank and put exactly what you want to spend on each person into a separate envelope. You’ll have a separate cash envelope for expenses such as wrapping paper, holiday cards, stamps, and shipping costs but don’t forget to budget for them.
3. Admit the fact that you’re not perfect. Know that there are exceptions to every rule. If you see the best gift for mom or best gift for granddaughter and can afford it, go for it. Don’t make the mistake of believing that you need to do this for everybody, no matter how much you’re tempted. You can explain that this gift is a combination Christmas/Birthday/every-holiday-for-the-rest-of-your-life gift.
4. Homemade Christmas Gifts. Don’t feel pressured to get involved with every gift giving situation at your office. Practice saying, “My family is truly centered on not buying gifts this year”. Usually most people understand. If all else fails, declare that you’ll be baking several dozen varieties of cookies or your grandmother’s famous tried and true recipe and bringing it to the office. Leave a note that reads, “Happy Holidays from the Adams Family” and make sure that everyone can see it. Food always is appreciated.
5. Purchase Gift Cards. If you feel like a lightweight and don’t think you can stand up to the pressure you can always turn to gift cards. Buy them in specific dollar amounts that are within your budget and then tell everybody that you’re done shopping. My family always appreciates gift cards to Dunkin Donuts, Subway, car-washes and restaurants. If you belong to Swagbucks, you can earn points through their online reward program and purchase gift-cards online!
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Hopefully these tips will help you avoid overspending this Christmas and finally achieve your goal of spending much less this holiday season.
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