Christmas, for many, is a magical time that many of us spend the year looking forward to. But it can also be hard. If money is tight, you might dread the Holiday Season. Here are some SMART ways you can enjoy Christmas without breaking the bank!
Stop Unnecessary Gifting
You may feel compelled to have to give something to everyone in your rolodex. Focus on giving gifts to those you truly care about. Still want to give something? Give inexpensive items or a Holiday Card. Small tokens like these will still do the trick!
Shop with a Plan
We often overspend when we go shopping without any plans. It is easy to get carried away when we say the latest and greatest. Instead, make a plan. Write a list of people that you want to buy for. Think about your total budget and how much you want to spend on each recipient. Look at these gifts online for some ideas. Go shopping with a plan, and you are less likely to get carried away.
Take Advantage of Sales
Take advantage of Black Friday, Cyber Monday, and other Holiday sales. Many companies also greatly reduce prices on excess products after the Holiday season. Look for these items as great gifts for those you care about!
Get Crafty
Of course, you don’t have to buy gifts and cards. You could make them instead. Think of your skills and ask yourself what you could make. Food gifts can be especially easy and well-received.
Avoid Credit
It might seem as though relying on credit will save you money. But, it just means that you will be paying for this year’s gifts next Christmas. If you can’t afford it, don’t buy it.
Look at Other Ways to Save
Another significant cost at this time of year is utilities. No one wants to be cold on Christmas Day. But, putting your heating on full isn’t the only way to get warm. Look at other ways to save money on your heating, purchase less expensive food for Christmas dinner, and go easy on the decorations. These tips can help you save and set you up for success!