This holiday season I am sticking to a tight budget. While it is a joy giving and receiving presents, Santa is in charged of the little ones. My friends and adult relatives will have to relish in my small tokens of love in exchange for a year of good memories to come. I am becoming a Scrooge of sorts because I want to put more love into the holidays and less material things into it. This will also help me keep in line with savings towards my dream trip of taking the kids with me to Hawaii 🙂 It is all about spending wisely while making sure our savings keeps growing, right? Ready for Tips for Financial Holiday Happiness and DIY?
Materials: I love that you can pretty much use anything you want! I used:
- Different cake stand sizes and shapes
- Flower vases
- Moss from my backyard
- Bird houses from my backyard
- Kid’s toys
- Get your container and fill it with moss
- Add elements to give it a village feel. In went the bird houses and toy cars
- Want more? I added some red palm tree seeds to give it some color
Not only is this extremely easy to put together, I didn’t purchase a thing to create perfect new decor for my foyer to be as Chrismassy as can be!
To reach my goals, I am putting into place important tips I learned from Regions bank to spread cheer and save our wallets:
1. Begin with the golden rule. Spending on gifts shouldn’t exceed more than 1.5 percent of your annual income. Use this rule as a guide to determine how much you should set aside to spend on gifts for your friends and family — and stick to it.
2. Separate and delegate. Consider creating a separate account to fund gift purchases and make regular contributions from your primary checking account in a weekly, bi-weekly or monthly basis.
3. Only buy what you can truly afford. To prevent overspending, never leave home without a list of what you intend to buy, and be sure you have the money needed to cover your purchases once you arrive in-store.
4. Use timing to your advantage. While things like airline tickets should be booked far in advance, other items — toys in particular — often drop in price during the first two weeks in December. Sometimes it pays to wait, other times it does not, so be sure to check for deals before you head out shopping.
I love that Regions Bank is helping us prevent buyers remorse com January when it is all said and done! You are right Regions Bank: it is time to spend wisely as we prepare properly for a financially sound holiday shopping season.
For more ideas on how to save this holiday season, like taking inventory of the wrapping paper, bags and bows you already have before purchasing more, please visit Region’s Bank Personal Finance page