HOLIDAY SPENDING

Let’s talk holiday spending... 
It happens every year. We start seeing holiday decor and ads popping up all over the place. We begin to hear the familiar bell ringing outside of our local grocery store. We see turkeys and Pine trees running for their lives. S The invitations and cards start filling up our mailboxes. No matter your traditions, you will be faced with a lot of demands for your time and the contents of your wallet this time of year. 
Here are 5 tips to help you keep the holiday cheer from emptying our your wallet:
1- Set a budget
It seems pretty simple, but setting a budget for how much you are able to spend and then sticking to it will really help. Sit down and make a list of all those people you need to buy something for, put an amount next to their name and stick to that amount. Don’t forget to include any charitable giving you like doing at this time of year. Be sure to keep track of things as you go. 
2- Shop around 
Once you have your list set and ready to go, be sure to look for the best price. Some stores will even match ads from their competitors. With today’s technology you won’t have to even leave the comfort of your own home to shop around. Get online and compare prices that way. 
3- Shop online
Consider shopping online. Staying out of stores will prevent you from seeing all those fun holiday things we tend to throw in our carts. Even just a few things can really add up. You may even want to use the grocery store pick up service to help you keep those extra items out of your basket. 
4- Hand-made is heart-felt 
If you can’t really afford gifts for everyone on your list, making something homemade may be the way to go. Paint some jars for candle holders, make a wreath, a plate of homemade treats are always welcome, or knit a scarf and hat set. Whatever your skills are, put them to use to save some cash. 
5- Set a limit for children
If you’re a parent, you know those Christmas wish lists can get pretty long. Consider doing the four gift limit idea: Something to wear, something to read, something you want, and something you need. It’ll help them narrow things down. 
Bonus tip- Party plan on a budget:
If you’re one of those people who loves to throw a holiday party (I may or may not be in that camp t), consider asking guests to pitch in and bring their favorite holiday finger food or treat. Not your style? Maybe ask someone to co-host with you and share the cost of your holiday bash. 
Remember the holidays are a time for us to remember our blessings and spend time with our loved ones. Time can be the real gift people are wanting this year. 
Happy holidays to you and yours! May it be merry and bright and not make your wallet too light!