So it’s no point of acting like it’s not right around the corner…yep. Christmas! Santa is busy making his toys and you should be busy stacking your coins so you won’t be super stressed this Holiday Season. Even though we all know Jesus is the reason for the season, I have come up with 5 tips to help you prepare yourself as well as your wallet for Christmas 2013:
1. Pack your lunch – That’s right. No more Mickey D’s or Wendy’s or Olive Garden for lunch!(Well at least not every day). You can save a ton of money by bringing your lunch to work. If you spend $5 a day for lunch that’s $25 a week and that’s only if you spend $5 (which I doubt). If you do the math that’s $50 every two weeks. That $50 could go on that Grand Theft Auto 5 video game your son has been talking your ear off about.
2. Layaway – I have heard so many bad things about layaway, but the truth is it’s great. Get all the hot items safely put up with only a small percentage down and a schedule date for payments, to keep you on track. Perfect! This is the best way to go for those really on a tight budget and or for those that has a kid that wants all the latest and greatest toys that clear the shelves quick.
3. Black Friday – I love Black Friday! Most of the people who don’t like Black Friday has had a bad experience or didn’t plan right. That’s ok. We have all done that before. The key is to research, plan and execute. Look at what store is offering what and is it worth you being up at 5am? Plan what time you are going and go! Sadly, being late by 10 minutes can cost you so make sure you are going by yourself or with dedicated shoppers.
4. List – Hi Santa. What do you have for me? Even Santa’s got a list. People spend way too much money when they go in to the stores without a plan and no list! You buy things that grab your attention because it looks like a steal or it’s just too cute! Well that’s going to hurt you. You need a list. Who, What, What store, and price. You have to know what you are there for because if not you will walk the aisle aimlessly picking up items that will may throw your budget completely off.
5. Envelopes – After you have your list completed, put how much you are spending on each person. Then grab a few small envelopes and write the person initials with the amount you are spending (write this very small). As you get paid add to the different envelopes. Once you are saved up and ready to go shopping grab your envelopes and keep to the budget! Once you spend all the money in that envelope on that person you need to reevaluate what else you are trying to buy them and look at what you already have bought. Do they really need it? No. Then their list is complete! Time to start wrapping. But if it is on the top of their list, take the least desirable gift back and use that money to get that must have gift. The key here is to stay on BUDGET.
If we start applying these rules now I believe we will have more sanity this Holiday season!
Let us remember Christmas is about love, family and Jesus. If we can keep that in mind before the madness starts and during we might make it to 2014. LOL