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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. In addition to your own contributions, many children receive cash gifts for birthdays or holiday presents over the years.

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Scam Prevention: Protecting Yourself and Loved Ones

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From emails to texts to phone calls to credit card readers, scammers can reach you in a number of ways—and if your personal information has been compromised, you have to be able to move quickly and efficiently to protect your accounts and information. Order our book Cashing Out here: richandregular.com/cashingout.

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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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12 Gift Ideas Under $50 For Everyone On Your List

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Finding the perfect gift for everyone on your holiday shopping list is challenging, especially when it comes to coworkers , your child’s teacher or babysitter and other service professionals. So, to help you find the perfect holiday present for everyone on your list, we’ve gathered some of the best $50 gift ideas available this season.

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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.