Christmas is this Saturday, and most of us have probably spent a little more than they would have liked to this year. When shopping, especially around the holidays, you need to have a game plan to decrease impulse spending. Here are a few tips to help bring down your spending:
- Make a list, and check it twice! Decide on who you need to buy presents for. You most likely don't need to buy a gift for every person at work. Also, if you have siblings, you are probably at a time in your life where you all can decide that you should focus on gifts for the children instead of each other.
- If you're traveling always shop around! Here are a few sites that can help you compare prices and watch for drops or discounts: Airfarewatchdog.com, Rentalcars.com, Crucon.com, and Petswelcome.com.
- SET A BUDGET! Decide on how much you want to spend, then divide that up based on who you NEED to buy for. Stick to your budget! If you come under budget, you can always purchase a gift for someone you didn't intend to, or consider putting that into savings.
- This is the time of year utilities tend to spike! If you are having trouble affording your bill, ask your utility companies about budget billing. You'll at least know how much your bill will be every month, and keep it from spiking. Also, to help keep costs lower, don't touch your thermostat! Turn off the lights! Install a timer for your holiday light display so you don't forget to turn it off! Also, long hot showers do not do your skin, or hair, justice during the cold months. So keep your showers warm and short to save money and yourself!
- This is not a money saving tip, but it's a good one! Every year my daughter goes through her toys and puts anything she doesn't play with anymore in a box. We donate that box to local shelters or agencies to help children who don't have toys. Not only are de-cluttering your child's room, but teaching them kindness and the true meaning of the holidays!
Happy Holidays!!!
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