It hit me today that Thanksgiving is just two weeks away. I created some beautiful Thanksgiving printables to help you organize the big feast. You can download them for free here!
The end of Thanksgiving means the start of the holiday and Christmas shopping onslaught.
How To Be Bold With Your Money This Christmas
I know how easy it is to rack up a serious amount of debt trying to give those important in your life a stellar Christmas. But I also know how damn awful it feels when the bills start rolling in.
If you haven’t started even to think about how you’ll pay for all your holiday shopping, know that although time is running out, it’s not too late to manage your money in a smart way.
This holiday you can be bold with your money and not conform to what society tells us we should do during the Christmas season. We don’t have to shop till we drop, rack up massive amounts of credit card debt or even try to keep up with the Joneses. We can do something different.
To help you think, act and spend your money in the best possible way, here’s a collection of articles to help you maneuver the holiday season staying on budget.
Step 1: Think Differently
Although not a Christmas article, it’s one worth reading to help you look at your circumstances differently. Tired of Trying to Keep Up With The Joneses? 6 Ways To Be More Content, will have you contemplating your desire to keep up with people you don’t know and probably don’t even like.
Step 2: Develop Your Gift Giving List
Now that you’re clear about your priorities and your not consumed with what other people think or feel about your personal circumstances, it’s time to think about who’s going on the list and who’s being axed.
This step is full of hard choices and most if not all of them are not easy. But reading How To Trim Your Gift Giving List Without Feeling Guilty will ensure you’ve thought of all the possibilities and are armed and ready to have the discussion with family and friends.
Remember this is all about being bold! You can do it.
Step 3: Develop Your Budget
If you’re starting this process now, and you’re committed to not going into debt realize Christmas is five weeks away and so you don’t have as much to work with as you might have. But that doesn’t mean it can’t be done.
In the article How To Create A Christmas Budget That Will Keep You Out of Debt, I walk you through the same process I use to develop my budget each year. Even though I’m debt free, the last thing I want to do is incur any new debt because of the holidays. So I walk through the process, taking the time to ensure I have all my ducks in a row.
Works every time!
Step 4: Increase Your Budget If You Can
There are a million and one ways you can earn some money over the holidays. In my article 15 Ways to Fatten Your Christmas Budget, I lay out realistic and doable ways to put more money in your hands, so you have less hard choices to make.
Step 5: Commit It To Paper
My collection of forms and printables will help you commit to your spending plan and help you stay organized too! They’re free, so grab them
Step 6: Still Have Folks You Want To Give Too?
If there are still people you want to give gifts to and but you only have a very limited amount left by which to accomplish that goal, consider visiting our 100 Days of Debt Free Holiday Ideas for suggestions on things to make, eat and give this holiday season. There’s so much to choose from you’re sure to get lost in a sea of ideas.
Step 7: Know It’s Ok
Once you’ve done all your penny pinching, list trimming, budgeting crunching and you still just don’t have enough money to give to everyone who is important to you, know there are many other ways to show people how much you care for them. I know you’ll find just the inspiration you need when you read, How To Give Generously When You Don’t Have A Nickel To Spare.
This holiday season know that even if you have very limited resources you can plan and structure how you’ll use them and ensure you maximize your funds all while refraining from using credit cards.
I hope you enjoyed Day 59 of 100 Days of Debt Free DIY Holiday Ideas and Inspiration!