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First, get control of your expenses. Keep track of where your money goes. You can keep a ledger, a spreadsheet, or one of the hundreds of free budget programs to track everything expense. Many banks offer this service for free if you are a customer.
Set an actual budget per person or family and stick to it. Don’t be afraid to discuss it with family or close friends. Many people feel the same way and will say “yes” let’s just do card exchanges. Also, do not forget to set a budget for the feast you may be hosting. It is surprising how expensive a big dinner can be, and grocery prices are skyrocketing this year due to supply shortages.
Long vacations can be a lot of fun, yet at times they might get exhausting. A weekend trip can be much more energizing and be a quick stress reliever. Moreover, they are far less expensive, do not require you to take time off from work, and can keep your energy and spirits up and positive.
It's estimated that about 230 million turkeys are processed each year in America. Minnesota wins the prize (not really) for turkey slaughter, with more than 40 million turkeys killed each year. Americans spend around $6.5 billion on turkeys annually.
Halloween is all about costumes, candies, and pumpkin carvings. Nonetheless, if you watch your budget, you can have a lot more fun while celebrating Halloween.
If your credit is in reasonable shape, you may receive some particularly good credit card offers as the holiday season approaches. Be mindful that the best way to use these offers is to lower your interest rate and/or consolidate your debt. It is best not to ADD debt because of a credit card offer. However, you do want to get the most savings you can when doing holiday shopping, and many people use credit cards for at least part of their purchases.
This year, with the COVID situation, most of us have limited money to spend on gifts for our family and friends. So, before you start shopping, ask for ideas, and then make a list. Then, check prices online and determine what fits within your budget but allows you to get the most out of your money. You may also consider home-made products as gifts; they are often more valued and less costly.
Start shopping well in advance to avoid the stress and crowds. Stressful or last-minute shopping can lead to wrong decisions. You can make smart money-saving decisions when there is no stress or crowd around you.
