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So, the holidays and all the cheerful “requirements” that come with it, from gift-giving for dozens of people to taking time off work, can just add another layer of stress in a season meant for joy and relaxation. Exhausted Americans are saying enough to the holiday extras.
With the economy making everyone extra cautious about spending , I really wanted to give myself the gift of not worrying about money this holiday season. How can anyone on a budget relax about money during the holidays? So, how can we enjoy the holidays without stressing about the inevitable dent they’ll leave in our savings?
Finding the perfect gift for everyone on your holiday shopping list is challenging, especially when it comes to coworkers , your child’s teacher or babysitter and other service professionals. So, to help you find the perfect holiday present for everyone on your list, we’ve gathered some of the best $50 gift ideas available this season.
Pay off major debts Expected time: 5+ years Account types: Creditcard debt, mortgage, student loans, car loans Getting out of debt is essential to the success of your other long-term financial goals. In addition to your own contributions, many children receive cash gifts for birthdays or holiday presents over the years.
If you received money as graduation gifts, that is a perfect start to an emergency fund. You may not be able to escape using a creditcard for some unexpected expenses, especially if you’re just starting a new job and haven’t had time to build your savings. Understand and build your credit score.
Two days later, the sleepy, snappy malaise that hovered over our house like some gray beast was gone, and holiday joy had returned. Gratitude log 24: While the journaling exercise eventually made my heart grow a few sizes and gave me a greater appreciation for my many gifts, it apparently did so with about the same power as caffeine.
Does it seem like the holidays bring too much to do? By organizing Christmas this year you can help to make this a low-stress holiday. Automate your card list. You can also create columns on your spreadsheet to track gift ideas, friends’ children’s names, ages, birthdays, etc. Have a gift-wrap center.
You’re well into the holiday shopping season and these tips may be too little, too late for many of you. Make a list of everyone you plan to give holidaygifts to this year with an estimate of what you want to spend. A giftcard or homemade Christmas baking work well for these situations. image via Wikipedia.
Does it seem like the holidays bring too much to do? By organizing Christmas this year you can help to make this a low-stress holiday. Automate your card list. You can also create columns on your spreadsheet to track gift ideas, friends’ children’s names, ages, birthdays, etc. Have a gift-wrap center. Ask for help.
For example, you go into the local Hallmark store at the Christmas holiday to purchase a card and get all warm and fuzzy seeing all the Christmas wrap, bows and other goodies and walk out with $30.00 Or you had a really bad day at work and had to stop at the mall on your way home to get a birthday gift for a family member.
Consumer Reports just came out with their holiday report card giving holiday shoppers some interesting facts Santa’s helpers will surely want to consider before buying gifts either at the mall or online. photo credit: kholkute. Is customer satisfaction exploited by the fine print?
If you have to purchase stuff for your boss - ask to xerox the creditcard, both front and back now. Where will you get flowers, baby gifts, birthday cakes, catered lunch, a venue for the holiday party, wine, a list of all the hot restaurants in town? Don't forget about official, company, school, and religious holidays.
If you need to write/send your holidaycards then look at your calendar and schedule it in. When your creditcard statement comes in, and after you have paid the bill, place the statement along with your month-end bank statement in the file folder. Don't do anything for that hour other than tackle your email.
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