Budget Tips, Holidays

Make it through Christmas without any extra debt!

Christmas is supposed to be the happiest time of the year. "Joy to the World." "Happy Holidays" and all of that, but if you aren't careful with December's Christmas budget, than January's credit card statement can be oh so frightful! Here are a few ways to make sure that you don't break the bank for your Holiday cheer!

  Just like every year, Christmas is on December 25th. Even though we know that, it seems like it just “sneaks up on us” before we even get to plan anything. This year, instead of waiting until December 24th to start figuring out how to pay for the holidays, think about checking out these tips to making sure that you don’t regret all of Christmas once your January credit card statement hits. Christmas always comes up so quickly. I don’t know about you, but I am beaming with excitement. I can’t wait for Hall-o-ween to be over with so I can start decorating my apartment! The holidays are always my favorite time of the year with the sugar cookies, the Christmas trees and lights, and actually being able to spend time with my family. I can already hear the Christmas music in my head.I know it will come up faster than we expect, because it always does. This year, don’t let your budget be surprised by the Christmas holiday! 1) Set a budget before the holidays get here! Figure out exactly how much you think you are going to need. When I made my Christmas budget of $1000, it includes dinners with friends, decorations for my apartment, presents for everyone on my list, and any holiday festivities that may happen. I very carefully figured out what I thought was necessary for all of the different categories, but that still seems like too much for a holiday budget. I tried to think about last year to figure out what I spent, but I truthfully have no clue. In 2017, I way over did Christmas and ended up spending a ton of money on gifts!  For 2018, I am aiming to do a little better. I am unsure of what I will do for gifts for my family this year, but I am aiming for smaller and more meaningful. I realize that they don’t really need anything big! 2) Start buying or saving early Some people start buying things when they see them on sale. If you have the storage/hiding space, this…

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Holidays, Money

4 Ways to Save Money on 4th Of July

4th of July is one of my favorite holidays, but it can break the budget before it even starts. Here are 4 ways to save money on the 4th of July!

I absolutely love the 4th of July! In fact, I don’t know a lot of people who don’t like it. It summarizes everything that I love about America. Friends and family coming together to eat some great grilled food and drink some beer while lighting stuff on fire or blowing it up. What about that statement is there not to love? As a child, I have a ton of memories of blowing up McDonald’s toys or plastic army guys. It was a blast, but as a child I never worried about the amount of money I was setting on fire. Literally. As I get older, blowing up fireworks has become a lot less fun. I usually join in on the fun for a little while, but it isn’t necessarily as fun as it was as a child. Anyone else agree? This year, I decided not to spend money on fireworks, but instead enjoy the fireworks of others. As I continue through the 7th month of my Debt Free Journey, it just wasn’t in my budget this year. I have spent most of my weekend reading some great books and working on some writing. I plan to spend a few days by my apartment pool and enjoy the local flea market on the morning of the 4th.