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Planning for the Holidays
There are many inexpensive ways to celebrate the holidays. Take the time to think about what the season really means for your family, set limits and be creative. When determining your budget and activities for the holiday season, ensure that all of your monthly re-occurring bills are up to date. Then use your surplus for your holiday spending.
Consider the following Smart Holiday Spending Tips
Shopping Tips
Shorten your shopping trips - don't plan to do all your shopping in one day. You will get tired and make spending decisions you may regret.
Shop all year long - if you can, spread your spending out over 12 months. Make a list and keep it with you. Be on the lookout for bargains that will make great gifts.
Gift Giving
Draw names - it's a great way to cut down the number of people you need to buy for and it is a lot of fun!
Give the gift of time - make a coupon for babysitting, snow shoveling, dog walking or spring yard clean up.
At Home
Host a holiday brunch instead of a sit-down dinner. The food and drink costs are less expensive but you can still have a great time visiting. Organize a cookie exchange with your friends. You'll have a great variety of goodies and will save on baking supplies.
Have Fun
Look for low-cost activities - skating, sledding, cross-country skiing or a classic Christmas movie night are all great ways to spend time with family and friends (Adapted with permission from Credit Counseling Canada)
For more great ideas or for more budgeting and money management tips, visit http://www.creditcounsellingcanada.ca
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