Healthy Living

Six Budget Tips to Keep Your Holidays Happy

The holidays are a time to be enjoyed with family and friends. Stress, though, can keep you from having a good time, and nothing puts more strain on the good times than money. There are plans to be made, decorations to be put up, and of course, presents to buy. All of these can really bust your budget, especially the last one. However, using the following expert tips will help you spend wisely, so you can enjoy the holiday season to the fullest.

Make a List

It works for Santa, right? Figure out who you want to buy gifts for and set a budget. Then decide what kind of gift you have in mind for each person on the list and the cost. Make your list early, and stick to it. Having this information handy will help you find bargains on some items and reduce the chances that you’ll make an impulse purchase that goes over your budget.[1] In addition to your gift list, decide how much you can spend on other holiday related items and activities.

Track Your Spending                                                 

Now that you have your list and budget, make sure you stick to it. Track what you spend on gifts, activities, and other holiday related expenses. Don’t forget things like gift wrap, postage, and cards. Bringing a dish to work party? Be sure to include that on your tracking sheet.[2]

Watch Those Credit Cards

Many experts advise that you shop only with cash, check, or a debit card. This helps you stay on budget, because you can only spend what you have.[2]  Carrying a lot of cash, particularly around the holidays, isn’t advisable. Things get hectic and thieves of all manner abound. Better to use checks or a debit card. That being said, many stores offer discounts for using their credit cards. If you have one already, that’s helpful. If you have to apply for one, think carefully. A newly opened charge account becomes part of your credit report, so make sure it really is worth the savings. Most importantly, set aside the money to pay it off immediately. Some stores even allow you to go ahead and pay the card balance on the spot. You can also do this with your bank credit card of course, but payments sent without a statement are sometimes lost by credit card companies. You may have to call them to track it down and see that it was properly applied to your account.

Match Game

Many stores will match a competitor’s advertised price, so save all of those circulars from the Sunday paper. Also, check the store’s website. Occasionally the online price is cheaper. If this happens, grab a screen shot and print it. Stores will also price match themselves. This is commonly known as a price adjustment. The best time to employ this strategy is on Black Friday. But beware of the fine print. Some stores have gotten wise to this and forbid price adjustments on Black Friday deals and so-called “door-busters.”

Safety Net

Speaking of the Internet, many sites let you price shop for the best deals online and off. Online retailers also offer incentives like free shipping, no-hassle returns, and extra merchandise.[3] Save even more by hunting for promo codes. Simply type the name of the retailer, and the words “promo code,” into your favorite search engine and see what comes up.[1]

Get Creative

Use your talents to make someone a gift. This can be a craft, or a piece of art. Write a song, create a video, or compile a collection of photographs. Several websites allow you to easily create books at a reasonable price. Children of course don’t need anything that fancy. They can make a book and record themselves reading it to the recipient. Not confident in your creative talents? Give your time. Babysitting, snow shoveling, landscaping, house cleaning—the possibilities are endless.[4]

Plan for Next Year Now

Once the holidays are over, stores can’t get rid of holiday merchandise fast enough. They usually start marking items down by 50% the day after Christmas, going down to as much as 90% within a week or so. Check back often, as holiday-themed items can be bought at tremendous savings. This is a great opportunity to pick up wrapping paper, cards, and decorations at fraction of the original cost. Be judicious though. Even at 90% off, it’s not a bargain if you can’t really use it.

With a little discipline and a bit of tenacity, you can keep holiday expenses in line. You’ll feel relaxed and in control, which will allow you to get the most out of the holiday season.

 

P.F. Wilson writes articles for Allied Cash Advance about online commerce, responsible borrowing, investment, and budgeting. Allied Cash Advance is a responsible payday loans and cash advance lender.

 

References:

[1]Coffey, Laura T. “Avoid financial hangover this holiday season.” MSNBC.com. Web. 2 October, 2012. http://today.msnbc.msn.com/id/15718948/ns/today-money/t/avoid-financial-hangover-holiday-season/#.UG2BYZjA-Rg [2]Arthur, Dani M. “Tips for stretching your holiday budget.” BankRate.com. Web. 2 October 2012. http://www.bankrate.com/finance/credit-cards/tips-for-stretching-your-holiday-budget-1.aspx [3]Hobson, Mellody. “10 Tips For Holiday Shopping On a Budget.” ABCNews.go.com. Web. 2 October 2012 http://abcnews.go.com/Business/story?id=86850&page=1#.UG2BMZjA-Rg [4]Dutton, Melissa Kossler. “Trim the Tree, Trim Your Budget: 10 Tips For Saving Money During the Holidays.” Parentdish.com. Web. 2 October 2012. http://www.parentdish.com/2009/11/11/trim-the-tree-trim-your-budget-10-tips-for-saving-money-during/

The following two tabs change content below.

Karla Urwitz

As a full-time career oriented mother of one, I love all things travel. I was in the hospitality business for 15 years and loved it. So why not become a travel agent. So I am trying to find my balance in life through being a parent to a teenager, my love of travel, and living the best life possible. Come join me on this bumpy journey of life.

9 thoughts on “Six Budget Tips to Keep Your Holidays Happy

  1. Hi everyone , I’m Noah Wilkinson.
    Welcome to my website . I started writing in my early school years after a creative writing assignment for my English teacher. I did creative writing for almost a year before I thought about doing something else.
    I had always loved doing research papers because I’m passionate about learning. When you combine writing ability with a love of learning, dissertation writing only makes sense as a job.
    I’m passionate about aiding the students of the future in their school career. When they don’t have time for their paper , I am there to help.

    Noah Wilkinson – Writing Expert – Funnyhomework Corp

  2. Welcome everyone ! I’m Billy.
    Even though I jokingly credit my grandmother for my writing talent, I know that it is a skill I have fostered from childhood. Though my aunt is a writer, I also started out young.
    I’ve always had a way with words, according to my favorite teacher . I was always so excited in history when we had to do a research writing assignment.
    Now, I help current students achieve the grades that have always come easily to me. It is my way of giving back to schools because I understand the troubles they must overcome to graduate.

    Billy Welsh – Professional Writer – Reflection-Paper Corps

  3. Hi and welcome to my website . I’m Jena Berry.
    I have always dreamed of being a writer but never dreamed I’d make a career of it. In college, though, I assisted a fellow student who needed help. She could not stop complimenting me . Word got around and someone asked me for to write their paper just a week later. This time they would pay me for my work.
    During the summer, I started doing research paper writing for students at the local college. It helped me have fun that summer and even funded some of my college tuition. Today, I still offer my writing services to students.

    Writing Specialist – Jen – Collegegoalsundaywv Company


  4. https golden mines biz account market
    ???? ??? ?????????? ? 2018 ????
    ?????? ??? 0 ???????? ?? 1
    ????? ??????? ?????? ???? ?????
    ???????? ???????????????? ????? ????????? ???????????
    ?????????? ??????????? ???????? ??? ??????
    ???????? ?????? ???????? ??????
    ????? ????? ??????????????
    ??? ??????? ?????????? ? ???? ??????
    ?????? ????? ??? ????????? ? ??????????
    ????????? ? ????????? ?? 100 ?????? ? ????
    ?????????? ?????? ?? ??????? ???
    ???? ??????? ?????? ? ?????? 6 ?????
    ????? ???????? ???????
    ????? ?? ????????? ??????????????? ??????????? ?????
    ????????? ?????? ??????????? ????? ????????
    ?????????? ??? ?????? ????? ? ??????????
    ???????? ?????? ? ???? ? ??????
    ???????? ????? 13
    ?????? ????????? ????????
    ???????? ?????? ? ???????????? ?? ???????
    ????? ?????? ???????? ??????????
    ???????? ?????? martin ??????
    ?????? ???? ??? ????????? ??????????
    ?????? ??????????? ?? ????? ?????????? 2018
    ?????? 2019 ?????? 3
    ???? ?????? ????? ?????
    ?????? ??????? ?? ????? ? ??????
    ????? ?????? ??????? ? ?????????
    ???????? ?????? 7 ????
    ??? ???????? ?????? ?????? ?????? ?????????
    ?????? ?????????? 100 ?????? ? ?????????
    ? ????? ??????? ????? ???????????
    ???????????? ?????? ? ????????
    ?????????? ????? ?????? ????????
    ???? ? ??????? ????? bablo birds
    ??????? ????? ?? ??????
    ????? ??????? ??????
    ??????? ?????????????? ???? ?? ???? 1993 ?????????
    ?????? ?????? ????

  5. My name is Shyla. And I am a professional Content writer with many years of experience in writing.

    My interest is to solve problems related to writing. And I have been doing it for many years. I have been with several associations as a volunteer and have assisted people in many ways.
    My love for writing has no end. It is like the air we breathe, something I cherish with all my being. I am a passionate writer who started at an early age.
    I’m happy that I`ve already sold several copies of my works in different countries like Canada and China and others too numerous to mention.
    I also work in an organization that provides assistance to many clients from different parts of the world. Students always come to me because I work no matter how complex their projects are. I help them to save energy, because I feel happy when people come to me for writing help.

    Ghost Writer – Shyla Barker – Paperhaberdasher Company

  6. Hi Everybody
    Thanks for checking out my writing website . My name is Lynsey Velasquez.
    I have worked a long time in this niche. My interest in writing started at a young age. I wrote journaled as a child and eventually went on to work with my school newspaper.
    This early tryst into journalism eventually led me to academic writing. There is plenty of work for qualified writers. I specialize in research papers , but have the skills to do all types of academic writing.
    Email me for more information about rates and a price quote. I’m looking forward to helping you.

    Academic Writer – Lynsey – http://book512.com/ – Book512 Corp

Comments are closed.

six-budget-tips-to-keep-your-holidays-happy-bond-with-karla