Download - Sticking to your holiday budget in 2012
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800.382.7875 This flyer is for informational purposes only and is not intended as professional advice.
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Consider staying home and shopping online. Not
only do many retailers waive shipping fees during
the holidays, you’ll save money on gas by not hav-
ing to visit the mall, too.
Take advantage of post-holiday sales on gifts for
next year.
Get a part-time job during the holidays, such as
wrapping gifts at the local mall or being part of the
Christmas display. This will increase your holiday
budget and get you into the spirit.
Consider opening a holiday savings account. You
can make arrangements for automatic payroll de-
ductions throughout the year to be financially fit
when the shopping season hits.
Check your shopping list and make sure that everyone you
are buying for needs a gift. If you’re budget is tight, buy
only for close family and friends.
Write down a maximum dollar amount that you want to
spend for your entire list and then track how much you are
actually spending.
Buy items in bulk so you always have something little on
hand for unexpected gifts. Consider a case of wine, can-
dles or chocolates.
Be realistic about your purchases and ask yourself the fol-
lowing: Can I really afford this gift? Do I have the cash in
my bank account to pay for it? When shopping, leave your
credit cards at home. Then, if you do not have the cash to
pay for it, you can’t buy the gift.
The APA found that 61 percent of consumers cite lack of
money, pressures of gift giving and credit card debt as
major stressors.
Instead of worrying about these money-related problems,
get your finances in order and spend time worrying about
what color to frost your holiday cookies instead!
Plan Ahead
According to the American Psychological Association (APA), the leading cause of stress during the holiday season derives from money problems. To combat stress, smart shoppers incorporate the gift giving season into their budget each month and buy presents throughout the year. However, if you are like most consumers, you have not planned ahead and may find yourself struggling for cash come January. Don’t despair though – proper budgeting and smart shopping techniques will help you stay within budget while finding something special for everyone on your list.
Holiday Budgeting Techniques
This flyer is for informational purposes only and is not intended as professional
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