Spend only what you can afford
The holidays are approaching. You need to buy presents, bring wine to parties and somehow pay for it all. We all know that the holidays can be tough on your wallet. This is why I’d like to encourage you to spend only what you can afford.
Make a list and check it twice
Go through the list of presents that you need to buy and other gifts. Is there some way that you can make a cake or bake some cookies with items you may already have in your pantry as opposed to buying a nice bottle of wine? I’ve found that people are usually more appreciative of these types of things. Sure, it may take a bit of time, but there’s thought behind it and it saves you money!
Save with online shopping
If you need to do some shopping, why not at least do it online? Amazon has lots of great items that are usually cheaper than you could find them in a store anyway.
Try to skip the discount cash advance
If one of your goals for the new year is fixing your credit, then see if you can pass on the online payday loan this month. It’s probably asking a lot, but setting the groundwork now might just help you get off to the right foot in the new year. If its not possible, then go ahead and take it out. But starting in the new year, I’ll be walking you through the steps weekly to make sure that you can take the small actions to get your financials back in order.
Make a game out of saving
If you need to stay motivated, just consider what you can do with your savings. Look at the prices in your local chain stores and then compare them to Amazon. Is it cheaper to order online? Then pay yourself the difference!