How To Curb Your Holiday Spending

How To Curb Your Holiday Spending

How To Curb Your Holiday Spending

As the holidays approach, we all have to evaluate how much we will spend during the holidays. Some people tend to go overboard when it comes to holiday spending. I for one, have been known to go overboard too.

I generally, have to shake myself into reality, and realize that the holidays is not about how much you are spending, but how well you spend your time and give to those who are not as fortunate as you are in this society.

I am very aware of the fact that we are in a depressed economy, a recession. Supposedly, consumer spending dictates the stability of our overall economy here in the United States, if that is what you want to believe. The Consumer Index does not reflect the spending confidence of the American consumer. I for one do not believe that consumer spending drives the economy, it does play a part, but not an integral part.

There are just too many other things or variables in our society that controls the overall stability of the economy, as it relates to spending itself. Being that as it may, let's get back to, "How To Curb Your Holiday Spending."

Here are some tips:

*Preplan how much you will be spending during the holidays

*If using credit cards, use no more than two credit cards, with low interest rates and pay the FULL balance off at the end of your monthly billing cycle

*Shop for inexpensive bargains

*If you have a large family, play dirty Santa, or games, where every family member buys a present of equal value, based of a raffle system where each family member pulls a name from a hat, bowl, etc... Then, which ever name you pull, that is who you will buy a present for during the holidays.

*Learn how to craft or build gifts with your hands, like fruit baskets, floral arrangements, etc for the holidays to give as gifts.

*Shop online before the holidays arrive, and have your presents delivered to you before the initial holidays

*Open a Christmas Club account or open a layaway

**NOTE**Please remember when you use the Layaway option, PLEASE REMEMBER to pay make ALL of your Layaway payments, and verify how many weeks you have to payoff your Layaway. Keep up with all of your receipts, everytime you make a payment. Have the customer Serv Rep in the Layaway Dept, staple those receipts together.

Good Grief, if you miss a payment, or fail to pickup your items that you placed in Layaway, you will forfeit your money you have already paid on it, and your items will be returned back to inventory. So, keep that in mind, when using the Layaway as an option.

*Give gift cards, but examine what gift cards you are buying and be very aware of the hidden or misc fees that may be associated with some gift cards.

*Do not impulse buy

*Do not wait until the last minute to rush and shop for the holidays. If you do, you will regret it.

*Good Grief , try not to overspend....Stick to a budget, know your limits

Lastly...Remember that the holidays is not about how much money you spend on gifts, it is about the true meaning of the giving spirit that exists in each and every one of us, by giving our time, sharing and giving to those who are less fortunate than ourselves, and being appreciative and THANKFUL for all of the Blessings we have in our lives.

Don't wait until the holidays to show people that you care, show how much you care everyday, and don't think that spending money and buying gifts is the only way to show how much you care about the people who you deem important in your life.

Happy Holidays


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