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Holiday Spending - Did You Survive Black Friday?
The holiday spending season is here - and it is in full swing. Did you survive Black Friday and Cyber Monday? Did your holiday budget survive? If you are already worried that holiday spending is getting out of control, take a look at our tips for getting back on track for the rest of the season. Review what you have spent
The first step in getting holiday spending back on track is to look at what you have already spent. There are several ways to do this, but all involve making a list. If you had a gift list already going, add to it. If not, now is the right time to get one started. Here are some options on how to add to or make your list. - Get out the receipts. Review each charge and put it on your list. Next to each dollar amount write down who the gift is for and what it is.
- Get out the packages. Assuming there are still price tags on each item, do the same thing as if you were looking at the receipts. If you have been really busy and already wrapped the gifts, this might not be your best option.
- Review your checking account or credit card statements. Sometimes it can be just as easy to go online and see what has been posted to your accounts. And it can certainly beat digging through those paper receipts.
Now that you have your list made or updated, total what you have spent and compare that
to your total budget. You are ready for the next step in reviewing your holiday spending. Make a plan
Once you have made the list and figured out where you stand, determine how many gifts you have left to buy. And how much money is still in the budget to cover those. If you have spent wisely and still have plenty of money to cover the rest of the holiday, you are in great shape! But what if you are not in such good shape? It is not too late to control your holiday spending. Here are some hints on how to get back on track. - Figure out if you can keep going. Assuming you have money left in your budget, you need to determine whether the amount remaining can realistically cover the gifts that still need to be bought. It may not be the gifts you originally planned to buy, but can it buy something that you are willing to give?
- Try not to get caught in the trap of "making everyone equal." That means do not feel like you have to spend $50 on Aunt Sue because you spent $50 on Grandma Joan. Even if that is what was in your original budget. Truly look at what Aunt Sue would like - not just what she would like for $50.
- Get creative. Even if you spend only $20 per person, you will spend $200 if you have to buy for 10 people. And you are likely going to be spending more than $20 per person for some people. So...think a little harder. Can you give homemade coupons for babysitting to busy parents? Can you buy something at a retailer and get a free gift card that can be used for someone else?
- Consider returning some of what you already bought. It sounds almost anti-holiday to suggest, but it is easy to get caught up in the great sales and overspend on all the really good bargains. But spending money on wonderful sales is still spending money - and maybe even overspending.
Remember that holiday spending is within your control. Use the ideas and tips in this article to keep yourself on course...or to get back on track. And to keep those holidays happy! Jennifer Peek is an accountant and mother of two. She writes about all aspects of kids and money at her website, http://www.money-and-kids.com See more information on Christmas spending at http://www.money-and-kids.com/Christmas-spending.html
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