Holiday cheer can easily lead to unnecessary spending. The excitement of receiving thoughtful gifts and throwing gatherings is brief in comparison to the stress that results from having to pay for everything later.
We may prevent debt and maintain a positive attitude by making financial plans in advance, conserving money, and sticking to a budget.
Make a list, check it twice.
Make a list of everyone you want to buy gifts for after you've decided on your Christmas spending limit. Instead of concentrating on what you want to buy, consider how much you can spend on each. Reread the list and trim names or dollar amounts if it is too long for your budget. Paring down the list of people you're shopping for is one of the simplest methods to reduce your spending.
Have you ever purchased something for someone else and wished you had kept it for yourself? Put your name on the list! Allowing oneself a little luxury is the best remedy for that, especially if it's on sale.
Pay in cash, prepaid cards
Paying cash for everything is one approach to preventing Christmas debt. Once your holiday spending strategy is established, withdraw that amount from the bank and stick to it. You've finished your shopping when that money is gone. Of course, using cash for internet purchases is not an option. Use a prepaid card in that situation. Prepaid cards are available just about anywhere, like at Target, Walmart, convenience stores, and many other retail locations. Prepaid cards only allow you to spend the money that has been loaded onto the card. There is a maximum spending limit on the card. Prepaid cards are a fantastic resource for managing and controlling your expenditure. Just be mindful of other fees and refill charges.
Secret Santa
When you have a large family, it can be difficult to stay within your means, and the joy of giving can be diminished by the cost of cooking and buying gifts for everyone. Organizing what is usually known as a "Secret Santa" gift exchange is a fun, simple way to get around that. Without divulging who it is, everyone chooses a name, and that individual alone gets that person's purchases. The element of surprise during the gift-exchange period makes it more enjoyable.
Gift of time, hand-made gifts
Think about donating a gift of your time if you want to offer someone a gift but are unable to purchase anything. For a friend with a hectic schedule, you may watch the kids or walk the dog. Someone to do chores, run errands, take an older relative to an appointment, or take them out to eat would be appreciated by them.
Gifts produced by hand are lovely as well. If you are baking cookies for the family, why not make a second batch of cookies that can be easily made for someone on your list.
E-cards
Another approach to saving money and time is to use electronic cards. Create your own holiday cards if you are creative. If not, then search online for some lovely e-cards rather than purchasing Christmas cards and paying postage for each one. They're a quick and inexpensive way to wish distant family and friends a happy holiday.
Make it a potluck
Schedule potlucks for holiday meals. You will spend less money, time, and energy if everyone pitches in. I know they're quite popular over the holidays. Potlucks are also a great way to catch up with friends throughout the year. They are a wonderful way to bring people together.
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Everyone excited about Christmas. Every Christmas I am going to buy some gifts and send to the siblings and friends. I spend my Christmas day with my family and enjoying alot.
Christmas is the time we get-together with the entire family! What fun!!! I too look forward to seeing friends!
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ill be giving out some precious this xmas for sure
Silver? How I wish I was on your Christmas list, hohoho!!!
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yes i was thinking of going with some silver maybe some bars lol
With #secretsanta, it's a bit hard to plan until you know who your beneficiary is.
Always with love 🤗🌺❤️
I like #secretsanta... it is kind of random, so it okay!
Hugs and kisses 🥰
!LADY 😍🤙🌺
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"Have you ever purchased something for someone else and wished you had kept it for yourself? "
Absolutely @silversaver888 ....... One year we had a gift exchange for members of the choir at church. It was a secret exchange and we could win it back ......... I just wanted the gift we brought Lol!😇😀
We ended up going home with our gift LOL!!😀
Wise... how did you do it, @silvertop 😄?
Me, I just buy the same gift for myself!
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No one knew who brought what gift @silversaver888 ......
I was the first to get a chance to "pick" a gift.......
I couldn't help myself Lol!!😇😀
All are fantastic ideas, sis! Many will benefit from your tips. Love ya much!🤗😘💞🌸🎄 !LADY
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It is a reminder for me too!
Hugs and kisses sis 🥰
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🤗😘🌸💞
These times are for me more about being together with friends and family… not even about presents. If I could I would skip them. Hehehe 🤭 let’s just be together and have a great time, with delicious food and laughter. And warm huggssss 🤗🤗🥰🌺
!LADY 🤗🥰🌺🤙🏻
... and just give love, which is what the season is about!
Are you preparing a meal this Christmas? I think I will have some of the usual fare, hehehe!
Oh, I like that... a warm hug 🥰
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Exactly like that… just give love ❤️
I wish I would.
Our belongings are getting picked up the 16th… that’s next Friday for shipping. Than we fly the 19th for family and friends visits over the holidays, not sure until when yet.
And after… we drive, a road trip of 3 or so days… all the way up to our new country of residence.
So I can’t even decorate. Sitting literally between boxes right now and are busy packing the last bits and getting ready.
The belongings can only be delivered around 17 January. So I think I will dress up extra big next year. 😁 at least we do visit family.
The best things… warm huggss 🤗🤗
Have a wonderful evening dear @silversaver888
!LADY 🤗🥰🌺🤙🏻
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Kids today will never know the THRILL of this magic book...........
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The economy looking more and more dire by the day , really useful advice here
How do you celebrate Christmas, @bitcoinman?
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Well I come from Ukraine and we never really celebrated Christmas however we did have something similar on new year eve with our own Santa and present
Appears pot-luck is top of my list, buy the meal, cook it, everyone gets to enjoy it.
Quite some years ago we stopped with presents, everyone joining in at Christmas are grown up, money is tight a few simple small chocolate gifts or similar on the table for after dinner snack is what we do now.
Light up my life with Christmas cheer around the table chatting more than that is no longer necessary 😇
!LUV goes a long way!
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Money is tight!
Christmas is not about expensive gifts. I usually give food to the pantry, and the church had a beanie and sock drive.
It's about being kind to everyone you meet, being patient, and loving each other and your enemies!
!LUV
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All about bringing light into the world, many charity drives over here run all year round with feeding, as has been the case for many years, Christmas arrives with !LUV many forget during their busy lives.
At Christmas special effort is made to deliver toys to children, stores set up baskets where you buy and donate into. Our version of Hell's Angels on motor bikes start a massive run down the coast dropping off at designated places.
Money can never replace love, the light or joy it brings to so many poor, aged or children throughout the world.
Our online equivalent to Amazon, each time you make a purchase you are offered the option to donate a little toward charities.
"Beanie and Sock" drive happens here in winter (June/July), many knit, sew, crochet to distribute 😇
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I think prepaid is essential. You can only spend what you top up. You won't overspend, other than a few percentage service charge !
If you tend to overspend, a prepaid card may help, @olympicdragon!
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I can't tell you then you would know........
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I have always checked my list of items to buy for my siblings and each day when I wake up, I have a thought and would trim it again just to reduce the amount I am getting for everything. Lol I really need to stick more to my savings because I would be needing them soon for my service.
I like the idea of secret Santa too. At least you won´t have to gift everyone but hide your face from them all. Lol
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!LOL
I do my Christmas shopping early, learning from my mistakes in the past! This way, I am not shopping when all you see are expensive stuff and spending more.
Hello @princebusayo! It's great to see you here my blog!🥰
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Yes, things are always expensive during Christmas and it's good to have shop before then to save more money.
I am glad reading from you too 😍😍
When it comes to potlucks, for the parties that I host, I don't expect my guests to bring any food; I always prepare the whole meal.
Thank you @princessbusayo !
Have a great weekend ❤️
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correct, and do not lose what you can't afford to
Indeed! A prepaid card works.
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Good advices. I always make a list so as not to spend too much. But I like to personalize gifts even make them myself or modify them. It is a way of showing affection beyond the cost of the product. With the children I take advantage of the time to give them things they need like books, clothes or anything else.
I make lots of "gifts of time"! I think they are more personal... cakes, pudding, cookies!
Books are wonderful presents, @florkese 🥰
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one of your ideas I affirm to is making a list of expenses so as not to be caught in debt usually holidays are period of spending and you just have ensure everything is done smoothly. This Christmas is one special reason to celebrate and I am planning to be the Santa at the event.
I am certainly looking forward to reading about the fun you will have playing Santa at your event, @heavensgrace! 🥰
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good ideas
Thank you. Any ideas?
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Ms. Saver @silversaver888
!LUV
!LUV
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Thanks ladiesofhive !LADY
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Keep it simple, and there will be enough! Being patient and kind to people is more important, @beatrice3en!
Thank you for visiting 🥰
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