A Holiday Survival Guide…

A Holiday Survival Guide…

Surviving the holidays can be challenging as consumers spend hundreds of dollars on holiday gifts, lights, entertaining, food and decorations.  Because of this many Americans can feel the sting of holiday spending well into the new year. If you love to celebrate the holidays but not the financial strain it can create here are several ideas for giving and celebrating without breaking the bank.

 Know your limit

Plan out your holiday budget before you head out to shop this year. Gifts can really add up leaving you with a hefty bill at the end of the season.

Plan ahead

   Whether online or in the stores here are some ways to save on shopping:

  • Look for special “Deals of the Day” at your favorite retail stores
  • Use coupons from your newspaper, online or in-store
  • Take advantage of free shipping with online purchases
  • Buy gifts throughout the year, not just during the peak season

Reduce your stress

The holiday season is stressful enough with demands from family and friends, not to mention social commitments for work or other groups. Try to plan ahead as much as possible, avoiding last-minute buys that will impact your budget. Also remember to maintain your daily routines to keep stress levels low. If you usually take a walk or go to the gym every day, take the time to continue the habit during the hectic holiday months.

Enjoy the season

The holidays are all about enjoying friends and family. Staying focused on time with loved ones and other joys of the season can help you to keep stress in perspective. If you are hosting holiday parties at your home less can be more with food and refreshment.

So when you’re out battling the holiday crowds or heading to social commitments with family and friends, consider your wallet and protect your budget with these simple tips.  It’s much better to keep spending down and stick to your budget. It’s a good feeling to start the new year on the right foot financially.

 

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