Christmas around the corner, our attention slowly began to abandon our Christmas work commitments and with it comes the frenzied annual spending Christmas.
Unfortunately, many families do not set a budget for Christmas and they rely on their credit cards to obtain from the holiday season.
Shortly after Christmas these same families will also develop symptoms of the "Christmas gift Blues" which can include a stomach, lack of sleep and anxiety.
You know this sentiment.Vous pass by and large, it charge on the card and then spend the next two months worrying about how you will repay your debts Christmas while promising never to make this happen you more.
Unfortunately, it is a reality for many families that every Christmas and they just seem able to break the cycle.
This year, give your family and yourself a Christmas gift and to take the "budget Christmas challenge" and enjoy your Christmas without suffering the Christmas Blues.
There are two parts Budget Christmas challenge:
1. Put in place a strategy that will help you survive Christmas with as little pain as possible.
2 Put in place a strategy that will give you a plan to take advantage of your Christmas plan prochain.Ce runs without you even think.
Let's start by implementing a plan that we hope will make this Christmas a little easier on your hip pocket:
1 Have a look at your finances coup and set an upper limit that you can offer your expenditures Noël.Allouer a certain amount to gifts and a number other Christmas spending .c ' is the beginning of your Christmas budget.
2 Leave the credit card at home and paying for Christmas with money as possible.
3 Keep track of all your Christmas dépenses.Un good way to do this is by carrying a small notebook and a pen and writing your purchases it.
Purchase of gift
4 Call friends and agree that donations will be purchased only for children
5 Take your Christmas gifts budget allocated in step 1 and divide by the number of gifts you acheter.Ce number will be the maximum that you can spend on each donation.
Christmas shopping eating
6 Take your budget, Christmas dinner and a shopping list.
7 When you make your purchase using a calculator for you ensure that you stay in your Christmas budget.
8 To save money by searching for the goods at the cheapest price on the top and bottom shelves.Try not to buy items found on the shelves at the eyes, are usually higher priced items.
9 Try not to purchase articles that are found in the displays at the end of the shopping aisles, these elements are generally more expensive than the items in the aisles.
10 Buy cheapest article compare prices of similar objects.
11 Remember, Christmas is only a day by année.Vous have step to pass a weeks worth of grocery money on a day.
12 Ask each parent to supply a dish, beverage or dessert.
As soon as Christmas is over and the pain is fresh in your esprit.Vous must take measures and to establish the second part of the "Christmas budget challenge".this next step will ensure that you have enough money for next Christmas
1 Add up all your Christmas spending including gifts, food and other expenses.
2 Take the total of your spending Christmas and divide by the total number of paying up to next Christmas.
3 Open interest bank with the following attributes:
-No minimum initial balance
-Interest accrued daily and monthly invoiced
-This bank account interest rates should be greater than the rate of inflation.
-No bank charges
ING direct and Citibank are an online banking account that may be suitable for your Christmas budget account.
4 Organize an automatic bank transfer from your bank account to your account Noël.Ce transfer budget will be on each pay the amount that you worked in step it is important that this is automated because most people do not paste this plan is a manual process.
5. In the next Christmas comes around to withdraw your money and repeat the process.
This plan is very simple and surprisingly effective and enjoy your next Christmas without suffering the Blues Christmas gift.
About the author.
Bernie Wiemers examines personal finance building strategies and wealth for the past 3 ans.Il is dedicated to helping people achieve their financial goals and manages the website my Wealth Plan - http://www.my-wealth-plan.com publishes articles on personal finance and wealth building strategies.
