That’s right, there is just another 102 days till Christmas. I’m not sure why, but we seem to forget sometimes that Christmas falls on December 25th every year. It doesn’t change.
We need to start thinking about Christmas when we are creating our budget. Plan where the money will come from (bonus, extra paycheck, weekly/monthly savings), and put that plan into action.
If you did not include Christmas in your budget this year, or maybe you don’t even have a budget, I have a few ideas for you.
- Take a little money out of each payday
- Use found money (rebate check, change, a surprise over payment refund). This is basically money that you didn’t expect to have coming to you.
- Give experiences rather than just a gift. Sometimes people are trying to scale down on “stuff”, live a little simpler. Why buy just another gift? Give them an experience. Maybe a free lesson, movie or theatre tickets, membership to a museuam or if your budget is small, just tickets for one entrance will be appreciated? You can package the tickets or certificate in an inexpensive basket bought at a thrift store or garage sale. Throw in some candy, coffee or tea for added color.
- Re-purpose a thrift store or yard sale find. Maybe an item you find is a perfect shelf or picture frame. Paint it, clean it up and add your own personal touch. This would make a great gift.
- Make your own gifts. Start browsing on Pinterest. Grandparents, Aunts and Uncles love photo gifts. Watch for photo deals that I will post here on the site, or check out these ideas:
Stay tuned for more DIY ideas over the next couple months.
If you haven’t yet planned for Christmas, it’s time to get the budget ideas flowing. Remember that if you get paid weekly or every two weeks, you may have an extra check in November, where there are 5 fridays.
Remember to keep things stress free. Stressing over the holidays takes the joy out of the season.
Make it a goal to use cash only for Christmas. No credit allowed. Try to purchase everything with cash or if you have to order on a credit card, pay that amount online to your card right away. Waiting till the bill comes in, for most people, results in the balance not getting paid right away. This only accumulates more debt.
If times are really hard for you financially, now is the time to talk to your family about drawing names, exchanging only homemade, or just forgoing gift giving this year.
Get your creative juices flowing. No matter what you do, Christmas is 102 days away and it’s not going away. Whatever your circumstances may be, it’s time to approach the subject.
Always remember that when ordering online, you can shop thru sites like these below to earn on your purchases. I personally use both of these sites. For more information read my post on Earning Money When Purchasing Online.
How do you budget for Christmas? How do you deal in situations where there is just not enough money for gift giving? What ideas do you use to save money?
Making a habit out of living frugal …..
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