ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

How To Curb Your Holiday Spending

Updated on January 2, 2010

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


    0 of 8192 characters used
    Post Comment

    No comments yet.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)