Holiday Budget

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It’s Official.  The holidays have arrived.  Children are writing, and re-writing their lists.  Every commercial is followed by a huge bout of “I want, I want, I want”.  The Most Wonderful Time of the Year can easily become the most expensive time of the year.  So, how do families cope with all the spending that seems so necessary?

There are a few ways available to us to ‘help’ us through the holiday rush.  Credit Cards, Payday Loans, Line of Credit.  Putting off paying our bills until January, just to buy one more toy that will likely end up in the trash in just a few short months. All of these just end up costing you more in the long run.  Christmas is already expensive enough!

Here are a few ways to help you spend less, save more, and enjoy the Holidays with a little more ease.

  • Shop year round. When you see a sale, take advantage of it.  It’s a great way to always have a few little gifts on hand and avoid over spending.
  • Use coupons! Many Cereal boxes will have $5 off coupons for popular toys during the holidays.  (Kellogg’s has $5 Hasbro board games right now in Canada)
  • Set Limitations. We all want our kids to have Everything they want under the tree, but remember, sometimes less is more.
  • Have a Christmas Savings Account! Start a high interest saving account and have an automatic transfer set up from your chequing account.  It’s a great way to put a little away at a time, earn a little bit, and have a bigger chunk to go shopping with.
  • Share the children’s wishlist.  Once you get the finalized copy, post it on facebook for your friends & family.  Photo copy and send it to family across the country who want it.  If others are fufilling their wishes, it’s lightens up your load.

Just a few tips off the top of my head to help your holidays be a little more enjoyable, a little less stressful, and a lot more fun!  Have a tip you’d like to add to the list?  Leave a comment below and we can make it grow!

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