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Six Tips to Budget for the Holidays

November 30, 2017

The “most wonderful time of the year” is right around the corner. While the holidays are a fun and festive time to get together with family and friends, they can also be a very difficult time for your finances. Here are six tips to get you through this holiday season debt-free.

1. Plan ahead – One of the most important parts of saving over the holidays is having a solid plan regarding how much you are willing to spend. While holiday shopping is often conducted using the heart, it is important to think through your list and set limits so that your emotions do not get the best of your budget.

2. Homemade vs. store bought – While new electronics cannot be made in your home, often they do not carry the same sentimental value as something you made yourself. Consider creating a list of homemade gifts that show how much you care and can save you a lot of extra cash.

3. Understand your finances – Some years are tighter than others, and that is okay. Have a realistic understanding of how much you can spend this year and remember that it might not be the same as what you have spent in the past. Gifts are not about the price tag, rather the sentiment behind them.

4. Look for deals – Coupons, sales and even gently used merchandise are great ways to save some extra cash on desirable gifts. Scan the internet and the local paper before you even consider paying full price for an item. And remember that some stores are willing to price match.

5. Donate time – Sometimes the best gift you can give is your time and attention. While it will not cost you a dime, it could be the greatest gift the recipient has received all year. And, when the holidays require you to travel to be with family, consider this time spent your gift to them.

6. Donate to charity – Instead of a big gift that will likely sit on a shelf soon after the holidays are over, consider donating in someone’s name to a charity or cause they are passionate about.

The holidays are not about who gives the most expensive gift, rather they are about precious moments spent with family and friends. Need some budgeting advice? Contact the experts at Tax and Business Consultants.

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