Tag Archives: holidays

How to Make a New Year’s Resolution – and Stick to It

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How was your Christmas? I had a good one. The next holiday on the calendar is not just a day, but the new year. 2019 is right around the calendar. Turning the page for a new year is a big event. Even if you just stay home and watch TV, a new year is always a chance to start fresh, start new, and enjoy the positive change that a new year could bring.

Are you making a New Year’s resolution for 2019? Maybe you haven’t even thought about it, and you’re still reveling in the fun of Christmas. But, it’s my opinion that the more thought and planning you put into your resolution, the more chance you have at making your resolution a success.

And maybe this year, if you haven’t made a resolution yet, that’s a good thing. Because, in my experience, if you want to make a New Year’s resolution and stick to it, you might want to begin first by creating your resolution a little bit differently than most people do. Check out my tips here.

 

 

EASY Last minute Christmas gifts

Today is December 17 – Christmas is roughly one week away! And believe me, I do enjoy my plotting and planning when it comes to gift giving for the holidays.

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Photo courtesy MBisanz via Flickr, Creative Commons Attribution 2.0 Generic license.

It’s all in good fun, of course, planning what to buy and what to give, and maybe even sneaking in a gag gift here or there.

But sometimes the days just sneak up on you and before you know it, you’re in a position where you’re trying to figure out what to buy at the last minute. Maybe you’re not even buying a last-minute Christmas gift – maybe you’re celebrating Hanukkah a week or so late – pushing out a get together after the actual celebration has passed, and you STILL haven’t bought your gifts!

So, if you’re in a pinch trying to figure out what to buy, check out these easy last minute Christmas gifts that could work for several people on your list.

About This Blog: Please feel free to share any information from this site, in part or in full, giving credit to the author and providing a link to this website. Fearless Faith is a blog dedicated to family, faith and frugality. All views are the author’s own and content is copyright of the author unless otherwise indicated.

Staying on Budget at Christmastime

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Did you go shopping on “Black Friday”? Do you plan to look for deals on “Cyber Monday”? Either way you look at it, it’s official: the Christmas shopping season has begun.

Each of us is different when it comes to how Christmas spending impacts our wallets. Maybe for you, Christmas is a time of great fun and you don’t mind going into debt for Christmas spending. Or, maybe you do mind – and you mind greatly – so much so that Christmas shopping stresses you out!

Regardless of where you stand on Christmas spending this year, my hope is to give you a tip or trick here or there that you can use not just at Christmas, but all year round. Take what you want, and leave out the rest. Because I remember all too well a Christmas working in retail – with a great employee discount – and before I could wrap up all the presents, I had to instead decide which I would take back. I had gone overboard. It was so much fun picking the presents, but I couldn’t afford them! I had to return many gifts, before they were given.

There can be so much pressure with Christmas. Pressure to show how much you care with how much you spend. So, in general, here’s the strategy I use to have fun, without going overboard:

  • Before spending on anyone, decide the dollar amount you’ll be spending on everyone. If you have one gathering for immediate family, and a different gathering for extended family, and your spending is very different for the two groups, that’s fine, just decide before you buy what you’re spending on everyone. Write it down if you have to. For example, you might decide that spending on your immediate family is $100 per person, or that spending on your extended family will be $200 for the entire group.
  • As you look at how many dollars each person “gets”, think about the number of packages. I’m not saying this counts, but I know some people that are really bothered if one child gets two gifts, and the other gets four… even if the monetary value for both people is the same. If this is you, think before you buy so you don’t stress yourself out.  The holidays are supposed to be fun, and they’re not supposed to make you feel guilty because of your gift-giving skills.
  • Write down a list as you make your purchases and next to each item, write down how much was paid, so you can keep track.
  • If you go overboard like I did my year working retail, it’s ok to take some items back before you give them.

About This Blog: Please feel free to share any information from this site, in part or in full, giving credit to the author and providing a link to this website. Fearless Faith is a blog dedicated to family, faith and frugality. All content is copyright of the author unless otherwise indicated.

How to Pay Less for Christmas gifts

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It’s the most wonderful time of the year. For all the pretty packages under the Christmas tree, there can be quite a price to be paid. When you’re trying to live within your means, Christmas can be a unique challenge. Christmas is lots of fun but from a financial point of view, it can lead to lots of spending because many of us are trying to show our loved ones how much we love them by spending lots of money on them.

So, in order to snag some deals, you have to be intentional. Retailers know that lots of us love this time of year and we’ll throw in extra purchases like socks, hot cocoa, wrapping paper… anything really if it’s got a snowman slapped on it.

You don’t have to get in over your head this Christmas… You can pay less for Christmas gifts this year, enjoy yourself, treat your family to some gifts they will enjoy, all while coming out with your wallet still intact.