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3 Ways to Avoid Overspending During the Holidays

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In the early years of our marriage, the holidays used to throw a wrench in our financial plans. We’d spend the majority of the year being diligent budgeters and ignoring our desires to take lavish vacations, spend heavily on meals or buy the newest gadget. And then November would roll around. Start with a Percentage.

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5 Long-Term Financial Goals and How to Achieve Them

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Pay off major debts Expected time: 5+ years Account types: Credit card debt, mortgage, student loans, car loans Getting out of debt is essential to the success of your other long-term financial goals. In addition to your own contributions, many children receive cash gifts for birthdays or holiday presents over the years.

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Don’t Let Shame Around Money Rule Your Life: How to Heal It

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For instance, if you set a holiday budget and then went way over that, you might feel guilty and start looking for ways to cut back in other areas. Overspending: Thinking that you’re so deep in debt that what’s one more charge on the credit card or one more night out, so you just keep digging yourself a deeper and deeper hole.

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How to Experience Luxury in Everyday Life

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But if that pick-me-up is what you need to help you get through the week, it’s OK to keep it in your budget and savor it. Enjoy that latte without shame but then look at other parts of your budget where you can cut back. Cashback points don’t come close to the interest charges you will pay when you carry a credit card balance.

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How to Find Your Money ‘Why’

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When people are tired or temptations are especially aggressive (hello, holiday season!), How many bath bombs have been purchased on credit cards in the name of self-care? Faced with spending decisions , you might ask yourself whether a purchase supports your core values. Pink things for breast cancer awareness?

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10 Christmas Organizing Tips

Ian's Messy Desk

Does it seem like the holidays bring too much to do? By organizing Christmas this year you can help to make this a low-stress holiday. Automate your card list. If you’re planning a big holiday party, that’s not the time to test a new recipe. Set a budget. How to Budget for Christmas and Avoid Going into Debt.

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How to Save Money on Christmas Spending

Ian's Messy Desk

You’re well into the holiday shopping season and these tips may be too little, too late for many of you. Work from a Budget. Make a list of everyone you plan to give holiday gifts to this year with an estimate of what you want to spend. It’s easy to overspend when your charging purchases to your credit card.

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