Wednesday, November 19, 2014

This Time of Year

The snow is falling, the Christmas decorations are starting to appear, Thanksgiving menus are being planned. This is a wonderful time of year as we anticipate spending time with family and friends around the fireplace with warm drinks and fresh baked cookies. All the parties are being planned and schedules are getting busier as we encounter one of the most wonderful and also most expensive times of the year. How do you keep yourself from spending more than you are able to this Christmas season?

First, don't dip into your retirement fund or 401k plan to help cover the costs this year. It might seem reasonable at the moment but if you're looking long term, it's not the best idea. Plan ahead and open a Christmas fund savings account to set aside money specifically for the holiday season. Start now for this year or for next year!

Second, come up with a shopping strategy. Make a reasonable budget and cut back on things if you have to this year. Remember that there are lots of deals and sales happening all year round so again, plan ahead for the holiday season.

Third, the dollar store and dollar sections in other stores are great places to find stocking stuffers, gift bags and wrapping paper. You don't need to spend a lot of money on simple things like gift wrap, besides, it just gets thrown away, right? Plus, you can still find super cute gift bags and paper for cheap.

Hopefully these few tips will help you have a relaxing holiday season in which you are able to enjoy time with family and friends while not freaking out about the cost of it all.

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