Isn't this the greatest time of the year? The holidays are around the corner, decorations are on houses every where, and people are full of joy. However, this is also the most expensive time of the year. Your making your list, checking it twice, and trying to figure a way to pay for all these gifts. Here are a few ideas on how to ensure that you still won't be trying to pay off your credit cards in July.
Make a Budget: Before you make a list of all the people that you will be buying gifts for this year decide how much money you can afford to spend on gifts. Once you know how much you can spend for the gifts, make you list and assign a MAX dollar amount you can spend on each person.
It's the THOUGHT THAT COUNTS: It's easy to forget what this time of the year represents, it's not about buying expensive gifts to show those we love that we care about them. There are a lot of inexpensive gift ideas that will show the people close to you that you love them. Baking holiday cookies, a picture frame with a picture of you and the person you are giving the gift to, other crafts (there is a lot you can do even if you failed art and crafts in elementary school, like I did. Search the web and there are many sites that will help you with ideas and how to do it. Here is a good site to start your search http://www.thriftyfun.com/). Your kids artwork is also a great gift for grand parents. Frame the artwork with an inexpensive frame and add a quick poem or scripture or picture to the frame.
Give your time: Ahh, we all made coupon books for our parents or brothers and sisters when we were children. Coupon books are great way to show people that you care about them and they allow you to spend more time with people you love throughout the year.
Search for Bargains: For those people on your list that you HAVE to buy some thing for, look online. The Internet is the best tool you can use for holiday gifts, you can shop thousand of stores looking for the best deals from the comfort of your own home.
Good luck with your budget, and Happy Holidays!!!
Prosperity Financial, LLC
http://www.myprosperityfinancial.com/
Lafayette, CO
Managing your Mortgage
Purchase - Refinance - Cash-Out - Home Equity - Great Rates
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