Por: Charlestien Harris
La carrera de los gastos navideños ha comenzado, y usted está listo para reclamar el premio por ser el más preparado para la batalla del abultamiento del presupuesto, ¿verdad? ¿Soy yo, o parece que la temporada navideña retrasa cada vez más la línea de salida? Me ha parecido ver un anuncio de "Navidad en julio" y me he dado cuenta de que ni siquiera hemos llegado a Acción de Gracias.
The holiday spending season is officially upon us, and it will pay off greatly if you take a few precautions, such as creating a budget for the purchases you plan to make or the family trips you intend to take! While gifts make up the majority of your holiday spending, don't forget the other costs that creep up on us, such as gas and food. Let’s explore some ways you might be able to trim some “fat” from your gasto navideño hábitos.
- Sea realista con su presupuesto. Having a good understanding of your personal finances is key to sticking to your plan when it comes to creating a holiday spending plan. You can give your credit card a rest if you carefully consider how to pay for more of your gifts with cash purchases. This move will save you those interest payments that add up from card purchases. Be careful not to dip into your “bill” money, as it will create a financial hole you'll need to fill later when the bill comes due. Set a limit, stick to it, and remember, adhering to your budget is a good way to avoid debt and is an essential part of maintaining a healthy financial life.
- Regala tu tiempo. If there's one thing I've learned in this season of my life, it's that time is a precious and invaluable gift. We often assume we have time to accomplish all we want in our lifetime. My advice is to take the time to express your care for loved ones. Give them a “piece” of yourself by offering to do something for a loved one that takes time to complete. Babysit for that relative who never seems to take a break. Cook a meal for the person who's always in the kitchen preparing meals for others. Make a list of acts of kindness that cost nothing or very little for you to give a gift of love. Time, something we take for granted, could be a gift that won't be forgotten and will be appreciated more than you know.
- Reutilizar y reciclar siempre que sea posible. Los adornos navideños, el papel de regalo, las tarjetas de felicitación y otros artículos pueden utilizarse y reutilizarse año tras año si se manipulan y empaquetan con cuidado al final de la temporada. Busque en su casa objetos que puedan utilizarse para envolver regalos, como bolsas de papel de estraza o periódicos de tiras cómicas. También puedes reutilizar bolsas de regalo, lazos y otros objetos que puedan resultar "nuevos" para la persona que recibe el regalo. Personaliza los regalos utilizando rotuladores y pinturas para crear un aspecto único. Los artículos tecnológicos reacondicionados pueden ser una buena idea de regalo. Puedes ahorrar mucho, pero recuerda comprar en tiendas de confianza. Pregunte a personas expertas en tecnología dónde hacen sus compras; a menudo pueden guiarle hacia sitios web fiables que utilizan con frecuencia.
- Planifique sus viajes de vacaciones con antelación. The sooner you know you're heading to Grandma’s house, the earlier you can determine your mode of transportation. Travel plans become expensive when left to the last minute. Book your travel as soon as you know the destination and try to keep the plans flexible. This allows for changes while still enjoying your holiday travels. Comparison shopping is helpful to find the best deals and take advantage of potential significant savings. Explore multiple travel websites to ensure you're getting the best available options.
Los anuncios navideños, las publicaciones en las redes sociales y los correos electrónicos de marketing te incitan a comprar más, pero puedes Más información by carefully planning your purchases and creating a holiday budget. Resist temptation by avoiding these prompts and sticking to the plan you've created to make your holiday shopping experience more pleasant. The amount spent on holiday gifts can often exceed expectations and throw your budget out of balance well into the new year. If the pandemic has taught me anything, it's that time with loved ones is what truly matters. And unless I miss the mark, that's something you can't put a price tag on.
Para más información, envíeme un correo electrónico a [email protected] o llámeme al 662-624-5776.
Hasta la semana que viene: ¡manténgase en forma desde el punto de vista financiero!
