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The goal of Christmas shopping is to make Christmas an enjoyable day without spoiling your new year by going into debt. Below are some tips for decking the halls without ruining your finances.
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Set a budget in advance and stick to it!
Ask yourself how much can you afford to spend this Christmas. Take that number and do the best you can with it. Spread this amount as far as it can go. What you will be surprised to find is how far your money goes.
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Start saving early to spread the cost
How much did Christmas 2015 cost you? A typical family spends $830, according to a Gallop poll. Many Americans struggle to afford Christmas from December’s paycheck alone and end up using credit cards. For an $830 Christmas, put approximately $210 a month aside for September, October, and November to spread the costs.
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Make a list – and check it twice
Christmas shopping on impulse is dangerous. So make a shopping list and stick to it! Remember, stores spend a fortune banking you will become a victim of impulsive shopping.
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Chat with family and friends for free
Christmas should be a time for family and friends, but if yours are a long ways away, save on the plane ticket by talking for free anywhere in the world over the web. Most smartphones also let you download apps to video chat with your friends and family. This is not an ideal way to spend the holidays, but the money you will save on a plane ticket can go a long way to paying down your debts.
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Secret Santa
If you want to stay in the holiday spirit with your group of friends, play the Secret Santa game. Set the gift limit to $5-10. This will keep everyone in the giving spirit and on a budget.
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Is it time to BAN unnecessary Christmas presents?
Consider not giving this Christmas. Christmas is not a retail festival – we should not feel obligated to give. Gift-giving creates an obligation on recipients to give back, whether they can afford it or not. For some, the gift of “not requiring you to buy for me” is better.
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I hope this article provides a practical tool to stay financially fit this holiday season.
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Randall Avery
Financial Advisor │ Author │ Public Speaker
R.S.A. Deasil Advisors, LLC
Office: 531-333-2745
Email: Deasil@rsadeasil.com
Website: www.rsadeasil.com
P.S. If you would like me to speak at your next event, please click HERE
[sh_divider style=”shadow” shwidth=”wide” spacetop=”20px” spacebottom=”20px” totop=”disable” color=”rgba(0,0,0,0.15″][sh_divider style=”none” shwidth=”wide” spacetop=”1px” spacebottom=”1px” totop=”disable” color=”rgba(0,0,0,0.15″] [sh_columns number=”two-thirds”] [sh_column][sh_headerdouble size=”h4″]Hacking The System[/sh_headerdouble]
While working with clients, Randall realized there was a missing process that individuals were not performing when choosing to use their money. Motivated to fill this gap, Randall developed three models to ‘Hack The System’ and allow individuals to Create Your Own System (CYOS). Randall hopes effectively using these models will help individuals identify the best moral and ethical use of their money.
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