The crowds in the stores are insane as the holiday shopping season is in full swing.
The children have shared their wish lists of toys and clothing that they would like to see under the tree. There is also a list from your spouse and then your own personal list which must be fulfilled because you deserve it.
There will be that one gift that you get for yourself because you’ve endured some headaches this past year and this will make up for it.The word of wisdom is simply to ‘take it easy’ and work within the scope of your resources.
The holiday music, store displays and extra sales staff can cause you to get intoxicated in the spirit. The small gifts add up and the larger gifts become justified as the spending gets out of control. Recovering from the holiday high can be shocking and you start feeling physically, emotionally and financially spent.
Your goal is to avoid the holiday bills in the New Year. You want to start off with a clean slate that does not include a holiday money pit.
Here are some things to think about when going shopping:
- Create a budget and a list. (include what you’ve already spent)
- Be of good cheer and check your list twice.
- Be the practical gift giver. (I’m known for socks and t-shirts)
- Stick to the plan.
Your ‘peace’ of mind is important during this holiday shopping season so, plan ahead and stay on track. You will enjoy the time more than you think and you will definitely start the New Year without frivolous debt.