Parties. Family get-togethers.
Entertaining clients. Office gift
exchanges. Kids wanting the latest
and best of everything. Everyone is
asking for a charitable donation.
Because it is, after all, the holidays!
December Means Trouble
If there is ever a time that impulsive
spenders can find themselves in trouble
come January when the credit card bills
come in, it’s the month of December.
There are so many additional demands
and perceived expectations that we open
up our wallets, and for those who hate
to disappoint others, it seems like no
big deal to throw a little money at the
situation and make everyone happy.
Don’t Dread the January Bills
The holidays, with increased time and
stress related to family and heightened
emotions that can come with it, can
cause people to overspend now and
regret it later. So how can you not be
one of those dreading the bills next
month? You’ve got to outsmart your
own impulsivity…by planning ahead.
Can You Afford This?
Make a list of the people and organizations
you plan to spend money on…right now.
Write it all down. Write down the gifts or
the amounts you plan to spend on them…
right now. Write it all down. Add it all
up. Can you afford this? If the answer
is yes, then go ahead and start shopping.
If the answer is no, you’ve got to start
Think Outside the Wallet
What gifts can you make?
What gifts can you bake?
What gifts of your time can you
offer instead of buying things?
What does this holiday mean to
Can the gifts you give actually reflect
what you really feel it’s all about?
(I’ll be writing more about this in a
future blog post…stay tuned!)
Give Yourself A Gift
Maybe the best gift of all this holiday
could be one you give to yourself…
the gift of feeling like you kept within
a budget you could afford.
Even if that budget is $0.
Love costs nothing.
Writing a note of thanks to someone
only takes your thought and time.
Living without the stress of
January bills coming in: priceless.