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Christmas Day is upon us – are you ready? Did you set a Christmas budget and have you been able to stay within your Christmas budget? I understand it’s easy to get caught up in the excitement of the holiday, but waking up to that debt-hangover in January that comes from overspending is no fun! To keep you from overspending this year, I wanted to share my last-minute tips on how to stay within your Christmas budget.
7 Tips to Stay Within Your Christmas Budget
According to the 2018 TD Bank Merry Money Holiday Spending Survey, 66% of those surveyed said they create a holiday budget and 76% reported that they stuck to their budget.
The problem for many, including myself, is to actually stay within that budget. In the same 2018 TD Bank Survey, respondents were asked why they typically go over budget. Some of the reasons reported were: Forgetting to put people on their list, making impulsive purchases, spending extra money on unexpected gifts, and just not paying attention to the money spent.
1.) Make a list for those items that are still on your list.
Write down a list of everyone else that you have left to shop for and a dollar amount you want to spend, then set that money aside. One of the main reasons people say they overspend is because they forget who is on their list and end up spending extra money they hadn’t planned on.
2.) Search around your house for those last-minute gifts instead of buying them.
Do you have any mason jars lying around the house? Throw together some last-minute chocolate chip cookies in a jar or homemade cinnamon hot chocolate mix. You can easily make gifts from home wit… Read More
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