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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. It’s time to have the talk and not feel bad about it.
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?
In the early years of our marriage, the holidays used to throw a wrench in our financial plans. Once the holiday-themed marketing campaigns started, we would be bombarded with messages that we needed more stuff and the fact that we already had one didn’t matter. And then November would roll around. Start with a Percentage.
From emails to texts to phone calls to creditcard readers, scammers can reach you in a number of ways—and if your personal information has been compromised, you have to be able to move quickly and efficiently to protect your accounts and information. Order our book Cashing Out here: richandregular.com/cashingout.
For instance, if you set a holiday budget and then went way over that, you might feel guilty and start looking for ways to cut back in other areas. Overspending: Thinking that you’re so deep in debt that what’s one more charge on the creditcard or one more night out, so you just keep digging yourself a deeper and deeper hole.
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. If you are paying back creditcard debt, your minimum monthly payment should go in this category. Understand and build your credit score.
Set aside the rewards you get from your cash back or points creditcards and use them to fund a special treat now and then. Cashback points don’t come close to the interest charges you will pay when you carry a creditcard balance. Maximize your cash back. Be flexible.
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.
When people are tired or temptations are especially aggressive (hello, holiday season!), How many bath bombs have been purchased on creditcards in the name of self-care? The reasons not to spend —or to save, if you’d like to put it more positively—are often vague, rooted in a fuzzy sense of what one should do.
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.
Gone are the days when new employees received a list of the company holidays during onboarding and a packet with information about how to sign up for health care and retirement benefits. Employers are now providing a broader suite of benefits and are increasingly recognizing the importance of financial wellness programs for employees.
With increased commercial activity during the holiday season of the year, it is a good idea to be extra careful to guard againstidentity theft. Minimize the number of identification and creditcards carried. Obscure creditcard numbers on customer receipts. name, address, phone number) will be used.
Two days later, the sleepy, snappy malaise that hovered over our house like some gray beast was gone, and holiday joy had returned. Gratitude journals are the opposite of work-intensive, requiring only a pen, pad and a handful of quiet moments. You can keep them anywhere.
When you link your bank and creditcard accounts, it imports your transactions and assigns them a specific category. For example, if you’re trying to avoid holiday overspending , you can create a tag or a customized category for that type of spending. You can customize these categories with a few clicks if you choose to.
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. If you’re planning a big holiday party, that’s not the time to test a new recipe. Don’t overspend on gifts, holiday outfits and food purchases.
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 holiday gifts to this year with an estimate of what you want to spend. It’s easy to overspend when your charging purchases to your creditcard. image via Wikipedia.
You are not on holiday. Take lots of cash and a creditcard. If you travel frequently with your boss you should really have a company creditcard for your expenses. Remember you are still going to have to look after your manager so make sure your trip is hassle free. Going on a business trip with your boss is work.
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. If you’re planning a big holiday party, that’s not the time to test a new recipe. Don’t overspend on gifts, holiday outfits and food purchases.
Part way through the payment plan one of your client’s creditcards gets declined. How you handle declined creditcard transactions (and you will get them when you start offering payment plans). How you handle your regular holiday sales. What do you do? What do you say?
Don’t think for one second you are holiday. Do take lots of cash and a creditcard. If you travel frequently with your boss you should really have a company creditcard for your expenses. If you are invited to take part in activities you don’t particularly enjoy just get on with it. Just in case.
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 Keep in your mind that you are not going to use a creditcard. I bet a lot of the shopping we do is emotional.
It tracks the balance between what you own (like savings and investments) and what you owe (like creditcard debt or loans). For instance, seeing your creditcard balance decrease while your savings increase can be incredibly motivating. It shows you’re making progress and that your budgeting efforts are paying off.
Or in other words, tacking on some holiday time to your business trip. I think most of our Executives have done this at some point and usually we will be asked to also manage the holiday side of the trip. Bleisure travel is apparently (hey, I’m only just a Millennial!) the mixture of business and leisure travel.
The main reason I started my business in the first place (way back in November 2001) was so that I could choose my own schedule – I had two young children at the time and needed to have a very flexible schedule that would allow me to be around for them, particularly during school holidays. Challenge/Mistake #2 – Taking on the WRONG Clients.
The main reason I started my business in the first place (way back in November 2001) was so that I could have a flexible schedule – I had two young children at the time and needed to have a very flexible schedule that would allow me to be around for them, particularly during school holidays.
FPB and Accept Cards LTD help firms save money an merchant services : The FPB is helping small businesses cut adrift by the providers of creditcard merchant services or struggling with the cost of processing card payments. As always this list is not exhaustive, but I hope it will give you a little overview.
Take for instance the complicated world of creditcards. American Express offers the Classic Green card for an annual fee of $95, however the Gold and the Platinum versions come with $175 and $450 annual “dues” and of course are accompanied by more services and perks.
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?
The lazy and stupid are getting complacent for the holidays.). Use a creditcard. It’s the end of 2011. Smart people are already making plans for the coming year. I’ve got news for you: The coming year? It’s YOUR year. Introducing the Men with Pens Insanity Sale. You might have put some effort into your website already.
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.
The holidays give you the window of opportunity to do this important thinking - not the date on the calendar. At least you can party with a creditcard! If you take the time, this holiday, to answer the questions above. Now that you’ve dropped the notion of a “new year”. take some time to get introspective.
So, I usually take with me my identity card (in Europe I can travel only with that, I don’t need a passport), my driver license and my passport. In the form of the most used currencies (USD, Euros) or debit cards. I own only one creditcard and I keep it topped most of the time, just as an emergency package.
Or you may tell yourself if you just waited until the new fiscal year, after the holidays, or some other meaningful event when more companies would be hiring, you might land your dream job then. Take really good notes and save them.
All those traditional holiday things, go to the plaza, just walk through go through the park. And then my last career before I started the business, I was actually supporting COO, General Counsel and CTO at a processing creditcard processing company. You know, everything that you see online is really what you should hit.
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.
Digital cults: reboot your epiphanies Living life like a holiday Still think productivity means getting things done? How To Prevent CreditCard Chargebacks To Your Online Store Reply 11 Tess The Bold Life March 26, 2010 at 1:48 am I also love it and like Cherie says one is only limited by imagination. Well, I dont.
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