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Emotional Spending at the Holidays

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The Holidays

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

getting creative.

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

you anyway?

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.






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