Lower holiday stress and spend less
How to Lower Holiday Shopping Stress and Avoid Going in The Red this Season
Too many people tell me they are still paying for Christmas on their credit cards as Easter arrives or longer. In a burst of holiday cheer we can easily fall prey to really effective marketing tactics. Today, I was once again deluged with “deal of day” and “nearly running out of time” texts, tweets, updates and email messages. Plus, catalogs, flyers, and annoying pop-up windows.
Americans have declared their top priorities are to loose weight and gain ground financially. Progress begins with the belief that what is necessary is possible. Today is the time to begin your six step debt diet.
Staying afloat when emergencies happen.
The best time to prepare for a financial emergency, of course, is well in advance. If you wait until your car dies, or your roof springs a leak, or your air conditioning unit fails in the middle of August...you could find yourself scrambling to be able to find the needed funds.
You'll want to start making a list of all of your expenses - rent or mortgage, car payment, insurance, utilities, grocery bill, cable, gym membership, transportation costs including gasoline or bus fare. If you find ,even this, too daunting a task, you can simply multiply your present monthly take home pay times six. That number is your minimum money cushion.
Got this take home income number or your expense list ready? Good.
How to increase your financial fitness. Personal finance facts.
Americans have declared their top priorities are to loose weight and gain ground financially. Progress begins with the belief that what is necessary is possible. Today is the time to begin your six step debt diet.
Just like any diet plan or fitness plan, expect feel deprived, fall off the wagon and hit progress plateaus. It’s a reality. So, decide, now, that you’ll get right back up and start again if you stumble and fall during next weekend’s spending temptations.
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