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5 Smart Money Hacks to Help You Budget for the Holidays

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With the economy making everyone extra cautious about spending , I really wanted to give myself the gift of not worrying about money this holiday season. How can anyone on a budget relax about money during the holidays? So, how can we enjoy the holidays without stressing about the inevitable dent they’ll leave in our savings?

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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. Once the holiday-themed marketing campaigns started, we would be bombarded with messages that we needed more stuff and the fact that we already had one didn’t matter. 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. Opening a college savings fund for your child when they’re young can help you save for their future college expenses.

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How to Experience Luxury in Everyday Life

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Set aside the rewards you get from your cash back or points credit cards and use them to fund a special treat now and then. Cashback points don’t come close to the interest charges you will pay when you carry a credit card balance. Maximize your cash back. Be flexible.

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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? Put your favorite one or two on an index card or sticky note and put it someplace visible like your bathroom mirror or your wallet. Don’t list too many.

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How Financial Wellness Programs Can Benefit Employees and Employers

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Gone are the days when new employees received a list of the company holidays during onboarding and a packet with information about how to sign up for health care and retirement benefits. Employers are now providing a broader suite of benefits and are increasingly recognizing the importance of financial wellness programs for employees.

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5 Ways to Save Money This Holiday Season (Without Disappointing Anyone)

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So, the holidays and all the cheerful “requirements” that come with it, from gift-giving for dozens of people to taking time off work, can just add another layer of stress in a season meant for joy and relaxation. Exhausted Americans are saying enough to the holiday extras. It’s time to have the talk and not feel bad about it.

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