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Get The Funds You Need

Top 5 ways to save during the holidays

5. Embrace Cash Transactions

Using cash for purchases is a smart move. It eliminates the possibility of accruing interest and encourages you to stick to your budget. Withdraw a predetermined amount for each person on your list, and once that cash is spent, your shopping is done. Discipline is key!

4. List and Budget

Craft a detailed list and assign a budget for each individual. Review and adjust your spending limits to ensure they align with your overall financial plan. If your funds are tight, consider revising the list by removing names or reducing the budget per person. Remember, it’s the thought behind the gift, not the cost, that counts. For group gifts, opt for a single, thoughtful present that can be enjoyed together.

3. Unleash Your Creativity

Leverage your artistic skills to create personalized gifts. Handmade presents are not only cost-effective but also carry a special sentimental value. Explore your local craft store for inspiration, and consider making anything from bespoke picture frames to handmade jewelry. Your wallet—and your loved ones—will thank you.

2. Reevaluate Daily Expenses

Small daily expenses, like your morning coffee, can quickly add up. Assess your routine spending and identify areas where you can cut back. Swap out the café visits for office coffee or invest in a bulk purchase of coffee to enjoy at home. The savings can significantly contribute to your holiday fund, giving you more financial flexibility.

1. Set a Shopping Endpoint

Once your shopping list is complete and thoroughly vetted, commit to stopping. Avoid temptation by steering clear of additional ‘window shopping’ trips, which can lead to impulsive buys. Stick to your plan, and you’ll prevent the dreaded post-holiday financial stress.

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