The holiday season is just few days away, and while it is true is a season in which a special atmosphere, warm and friendly, at the end of this time many people end up with empty pockets and card overdraft credit due to poor planning breathe of expenditure. Do not be influenced by emotion and secure their pockets with these Christmas financial tips:
1. Statistics show that over 50% of people will buy a gift for themselves. Do not do it! Remember that Christmas is more to give than to receive, and is very likely to receive at least a present from a friend or relative that makes you feel happy and appreciated.
I’m not against that purchase a gift, but if you buy like crazy. If you notice your budget honestly just do not feel like to buy a new laptop or a last cell model, then do not do it and schedule the purchase to within 4 or 5 months, probably enough to save time and give your taste without regret.
2. Calculate your costs. Make a list of those people who thinks gift, set a maximum amount of expenditure on gifts, and divide that amount among all people on your list. Commit to not spend more than that amount and track your own spending plan, not the stores. Remember, the plan aims stores that money flowing to them.
3. Do not allow Christmas surprise you! This falls in December every year, and nothing better to save for months in advance for this. Remember that there is still time to find gifts at low prices if you buy several days in advance and not at the last minute. If you are a person who likes to give to everyone, children and adults, next year allocate a small monthly fund for Christmas gifts 2015.
4. Pay cash for everything! Put the money that has been allocated for holiday spending in an envelope and when it runs out, just do not buy anything else. Remember not to go over your limit of money for each person on your list so that all people who wish to give something to receive something.
5. An expensive gift does not imply greater esteem or degree of friendship. A gift is a way to tell someone you love him or estimates, and simply taking the time to invest your time trying to find a gift that can please him that person is welcome for those who receive it. If a person looks bad your gift, then the next will not give away anything!