The holiday season is all about spreading cheer, but it's no secret that it can also bring on some serious financial stress. As the new year is approaching I’ve got your backs, and that includes helping you navigate the holiday spending frenzy. Here are some laid-back tips to stay out of holiday
debt:
Keep It Real with a Budget:
Let's start with the basics –setting a budget. Get real about how much they can actually afford to spend during the holidays. It's not just about gifts; it's about factoring in travel, decorations, and all the festive shindigs.
Plan Like a Pro:
Start to save for the holidays way before the holidays actually roll around. Socking away a little cash each month can make a huge difference when the holiday hustle hits.
Say No to Impulse Buys:
With all the flashy sales and deals, it's easy to get caught up in the spending frenzy. Stick to the list!
Making a gift list and sticking to it can help avoid those unnecessary impulse
buys.
Get Crafty:
DIY gifts and decorations can be a total win-win. Not only are they budget-friendly, but they also add a personal touch to the holidays.
Cash or Debit, Please:
Credit cards can be tempting, but stick to cash or debit cards for their holiday purchases. It's a great way to stay on budget and avoid racking up high-interest debt.
Shop Savvy:
Snag those sales, hunt for discounts, and keep an eye out for cashback offers. It's all about shopping smart and making those dollars stretch.
Talk It Out:
Having an honest chat with family andfriends about gift-giving expectations can take a load off. Suggesting alternatives like gift exchanges or homemade gifts can be a game-changer.
Embrace Experiences:
Shift the focus from material gifts to creating awesome experiences. It could be planning a cool outing, throwing a festive bash, or giving back by volunteering together.
Remember, the holiday season is all about creating joyful memories, and being financially sound will allow you to keep enjoying this season. Subscribe for more content about home ownership and maintenance
