Holiday Budgeting

This is a very expensive time of year, which is why it is important to spend within your means. Luckily, there is still some time before the gift giving begins, so follow these guidelines to make sure the holidays don’t put you in the red.

1. Set a budget and stick to it: There are tons of apps that can help you manage your budget, but it is important to not go over the amount you are comfortable spending. Going into debt over the holidays will only bring your mood down.
2. Start saving now: Skip out on your morning Starbucks ritual and make your own coffee. Think of ways you can cut back to make sure you have the funds to buy for everyone on your list.
3. Never underestimate the power of a handmade gift or card: The holidays are about demonstrating your love and appreciation to those around you, so never doubt that they wouldn’t love a handmade gift or a card filled with kind words. Show them you care without breaking the bank.
4. When in doubt, cook!: Pulling off of number three, cooking for people is an affordable gift. Homemake their favorite cookies, pie, or other treats!
5. Space out the buying: Start buying now to spread out the burden all at once.
6. Look for sales: There are already sales everywhere. If you know what you want to get people, watch the retailers for sales on the item!